Optum HSA Excess Removal: They only removed the principal, not the earnings. Now what?

I had a $4,300 excess contribution in my Optum HSA for the 2025 tax year (realized I was ineligible due to having a non-HDHP plan all year).

I submitted the "Excess Contribution and Deposit Correction Request Form​". The frontline rep hinted I only needed to enter the $4,300 excess amount and they'd handle the rest. Instead, they processed a withdrawal for exactly $4,300.00 with $0 earnings included! 🤦‍♂️

Since they pulled the principal but left the Net Income Attributable (NIA) behind, I'm stuck. I can't just calculate the exact remaining NIA myself because of Period 2 and 3 below:

• Period 1 (When excess began in 2025 to 3/31/26): Earnings calculated exactly via my last available statement from 3/31/26 and IRS Worksheet = $1.25.
• Period 2 (4/1/26 to 4/12/26): The $4,300 was still in the account, so I'd have to calculate the interest it made during these 12 days as well?
• Withdrawal Event (4/13/26): The $4,300 was removed from the account by Optum on this day.
• Period 3 (4/13/26 to Second Excess Removal Form Processing Date in Future): The $4,300 excess is gone, but the $1.25 in earnings (interest) calculated up to 3/31/26 is still sitting there. Do I need to calculate the interest the remaining balance generates up until they process my second excess removal form?

Accurate math on earnings is basically impossible on my end right now because I need Average Daily Balance and APY from the day I submit the second excess removal form to the exact day they process it, so my hope is to force Optum's backend to calculate it. But their frontline reps seem clueless.

For anyone who has navigated this scenario:

1. How do I escalate? Do I just demand a Tier 2 supervisor / tax compliance department?
2. What exactly do I ask them to do? Can they internally calculate the leftover NIA and process a second distribution, or do I have to request a "Mistaken Distribution" to return the $4,300 and make them do it over from scratch?

Any advice on the best approach or exact keywords to use with them would be greatly appreciated!