My early withdrawal was taxed at the time of the withdraw and I was advised there would be no additional tax/penalty at tax time but appears I'm being triple taxed why?

The trustee is REQUIRED to withhold 20%, but the tax is not determined until you file your annual tax return.  In addition, if an exception does not apply, you pay an additional 10% in penalty.  That being said, it does not sound like it should be taxed at X3- can you provide more details?