The broker seems to be applying this rule:
After Tax Day for 2023, April 15, 2024, you can't request return of 2023 contribution plus earnings.
Instead request a distribution of the disallowed contribution.
Earnings, if any, remain in the IRA.
You will pay a 6% penalty yearly on a 2023 contribution left in the IRA at year end.
Amend your 2023 tax return, (and 2024 if already filed) to report the accrued excess and the penalty.
Maybe @dmertz has another way out for you.
@leesmithsmail
