Taxable amount non qualified annuity

Have non qualified annuity  100,000 took a 50,000 withdrawal net 42,000 the 10% early withdrawal as well as surrender fee was already deducted I also requested they withhold 20% in case for taxes they did not

taxable amount blank box 2b checked not determined

Called annuity company they said no gains or earning To tax but when I enter 1099r as is is saying I still owe the 10% and treating 42000 as fully taxable I'm stuck on this thank