You will probably have to file the return by mail - it is now common to require a paper return when tax withheld is greater than reported income. This "filter" is automated and there is no way around it in e-file systems that apply this rule.
In the past, cyber-criminals filed returns with fake W-2s showing large amounts of withholding with low amounts of income in order to get fraudulent refunds.
Since paper returns are manually processed (at least partially), they get more scrutiny and the IRS has longer to check for fraudulent activity. It appears late-breaking COVID tax rules and exclusions have created the unintended consequence of making it look like a return has questionable information, even when it doesn't..
