@CandP507 wrote:
@ThomasM125 Thank you for your response. I did not get a 1099-R and I realize that I think I inaccurately described my situation. My apologies!
I've rewritten it here:
I deposited $6,000 into my Vanguard Roth IRA in Jan 2019. I also got married in late 2019. Joint income was too high for Roth IRA contributions. I withdrew $7700 from my Vanguard Roth IRA in April 12, 2020 (the number may be high because I may have opted to withhold 33% for federal tax and 10% for state tax, but unfortunately I don't have any clear paperwork on what I did other than a transaction history). The Roth IRA contribution was not reported on my 2019 taxes (not listed on Section C: Adjustments to Income; 19: IRA deduction). The only confirmation that I made this withdrawal from my Roth IRA is through transaction history. I have a Form 5498 showing the initial $6000 contribution. I have not received any other paperwork.
Still unclear how to resolve this for good, thank you so much!!!
Then contact Vanguard for a copy of the missing 1099-R. They were required by law to issue it to you no later than Jan 31, 2021 for a 2020 return of contribution. If you have an online account with them it will probably be available online. Form 5489 is information only and does not go on a tax return.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
