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The Vanguard rep is partially correct in that you will get the Form 1099-R in 2026 since the distribution occurred during 2025.  However, it will not be reported on your 2025 tax return.    

Since you made the excess contribution in 2024 and withdrew the 2024 excess Roth IRA contribution plus earnings in 2025 before the due date, then you will get a 2025 Form 1099-R in 2026 which should have codes P and J.  This 1099-R will have to be included on your 2024 tax return and you have two options:  

• Amend your 2024 return after you actually have your 2025 Form 1099-R in hand. 

OR

• You can report it now in your 2024 return and ignore the 1099-R when it comes unless there is Box 4 Federal Tax withholding and/or Box 14 State withholding.  Then you must enter the 2025 Form 1099-R into the 2025 tax return since the withholdings are reported in the year that the tax was withheld.  The 2025 code P will not do anything to the 2025 tax return income but the withholdings will be applied to 2025.

If you wish to report the Form 1099-R now as part of your 2024 return without amending it later, go to the use these steps:  

1. Go to Wages and Income > Retirement Plans and Social Security > Form 1099-R section of your return to add a Form 1099-R
2. Select "I'll type it in myself"
3. Box 1 enter total distribution (contribution plus earning)
4. Box 2a enter the earnings
5. Box 7 enter J and P
6. Click "Continue"
7. On "Is the IRA/SEP/SIMPLE box on this 1099-R checked?" screen answer "No, the box is blank"?
8. On the "Which year on Form 1099-R" screen say that this is a 2025 Form 1099-R.
9. Click "Continue" after all 1099-R are entered and answer all the questions.
10. Continue until "Did you use your IRA to pay for any of these expenses?" screen and enter the amount of earnings under "Corrective distributions made before the due date of the return".

@sudhjain