On April 15 2015 a family member contributed $3000 to HSA #1, intending it to be coded as a 2014 contribution. It however missed the custodian's 1pm Eastern cutoff time by a few seconds and was coded as 2015. I was later told this would have been no problem to recode if it was a paper check, but it was an electronic check.
This is awkward as there's a HSA #2 with 2015 contributions. More funds are needed there, but can't be deposited without exceeding the aggregate $6500 limit and facing penalties and paperwork.
The 2014 HSA's are under-contributed to by $3000. And HSA #1 is not a spending account (there are no checks or cards to draw funds through).
The relevant state of residence is California.
How can this best be unwound and fixed? How grey is the contribution year, and can that be explained to the IRS productively?