I encountered this problem in the 2022 tax year.
The explanation by rjmswarren was superbly clear and detailed, and I verified that it properly accounts for the values reported in Schwab's 1099s and what is computed by TurboTax.
I applied the suggested fix and it seems both sensible and effective.
Shame on Schwab for causing this problem!
Shame on TurboTax for not suggesting a fix!
