Hi all,
I want to document here that without this group/forum, I wouldn't have been able to do the right thing. Last week I had no clue and now I feel like an expert ;).
With @macuser_22's input, I added the excess contribution amount to my income (line 1) just like it says in Pub 525 page 10 and filed my taxes.
I had practically given up that anything will be done by Fidelity before July 15th based on my conversation with their rep on July 6th (despite my repeated request he said the only way to get the Excess Withdrawl "Kit" was via snail mail, which came to me on the 13th). Turned out that it was just the form that I could download right from their website. I was resigned to the fact that whenever I withdraw, I would have to pay taxes again.
Then thanks to @ck128 miracle post where s/he shared the experience with Fidelity, I went back into action. My form had come in regular mail Monday afternoon, I saw that post a little later, called Fidelity again at 3;30 Pacific. This time an angel picked up the phone - completely different experience! She asked me to complete the form, get my both W2s - instructions to upload (as photos) using their mobile app! I completed this by 5:30 PM Pacific. The next day (14th) she followed up again (yes she called me!) letting me know that all was fine with the forms and their back-office was looking into it. And then another call on the 15th ... all taken care of. In fact, they took the excess on the 14th itself and the check is in the mail - 1099's will follow later.
Taxes paid in time, no need to amend later, excess received before July 15th - all good! Couldn't have done without this forum. And oh BTW, TT guidance was not accurate or clear either ...
Wow!! Thanks again to all, especially to @ck128 @macuser_22.
Cheers.
