Thank you. I figured I would do the substitute as a last resort. I thought maybe there was an issue with how the software populates. When I click the radio button that I put the money in a Roth, TurboTax knows it is more income as it takes away the investment tax credit that was there pre-1099r entry, it just doesn't add the tax due on the rollover.
Obviously, I'm not working with a customer focused trustee. They made the check out to "New Trustee FBO: My Name", so it wasn't restricted to a traditional IRA roll over account. That was a good thing. It was like pulling teeth to get this money out of them. Started in November and kept calling looking for it; the check arrived in the afternoon mail on Dec 31. Just barely made it for a 2020 conversion.
