I don't really know your fact situation so I can't agree or disagree. It comes down to the concept of "constructive receipt" and you can read the IRS's brief discussion of what that means here:
<a rel="nofollow" target="_blank" href="
https://www.irs.gov/publications/p538#en_US_201612_publink1000270642">https://www.irs.gov/publicatio...>
