In 2023, I made a QCD as a charitable gift annuity to partly satisfy my RMD. This year I sent a check again to the same charity to do the same thing. The charity deposited my check. The charity is now telling me that they made an error because the law states that making a QCD as a charitable gift annuity is only allowed once. They will return the money.
If I then return that money to my traditional IRA, will the withdrawal be taxed?
