Randy, didn't you and your wife provide the tax info they wanted? I did and they didn't deduct any taxes from me, just sent a 1099.
Try contacting customer support and providing your tax info, if it isn't already too late.
I did mine the day I got the email ... but then I forgot about it until she opened her account up and there was a weeks worth of withholdings LOL .. We took care of it but I couldn't help laugh at how ridiculous their 28% figure was .. I'm guessing they just pulled that number out of a hat and said yeah that works.