This is complicated AF so bear with me.
In 2019 I made an overcontribution to my Roth and submitted the paperwork to have the excess returned in 2019. The paperwork was completed in 2019. However, the distribution payment was not actually made to me until Jan 2, 2020 so the state and federal withholding I had taken out has plagued me ever since. Since the payment to me happened in 2020, Fidelity did not make me a 1099R until 2021 (and it has the year 2020 on it). Due to this I had to pay the withholding myself in 2019 since I had no proof that it had been withheld already without the 1099. I also paid the penalty and the income tax on the distribution in 2019.
Fast forward to 2021 when I do have the 1099R. I am now owed that withholding amount back as a refund (since I had to pay it myself in 2019 since I had no proof which was resulted in a double payment). I have sent the 1099R to the government along with my amended 2019 return and it is being rejected. I have code "PJ" in Box 7 on my 1099R.
P--Excess contributions plus earnings/excess deferrals (and/or earnings) taxable in 2019
J--Early distribution from a Roth IRA, no known exception (in most cases, under age 59 ½)
My question is this: Does code P basically mean that the penalty and income tax is taxable in 2019 but because the 1099R form has the year 2020 on it, I actually have to file a 2020 amended return instead to claim the withholding and get my refund? Then I would ignore the portion of the form detailing the taxable portion of the distribution since this should have been (and was) already paid in 2019, as indicated by code PJ? It is the only reason I can think of for why they are rejecting the 2019 amended return, but it is also odd to me to be claiming two different portions of the same taxable event on two different tax years.
Thank you for any insight.
