cd's can also have OID if the term is over 1 year and interest is payable at maturity. at maturity you should have received was what you paid + the accumulated oid. for example you may have paid $75 for the cd and received $100 at maturity with the 1099-OID amounts totaling $25 over the life of the cd
if not something is missing
go back to TIAA and ask them to explain. say i paid $X for the CD i had total OID on the CD of $Y the total is $Z but i only received $Q at maturity. WHY?
about the only situation where you would get less is if you redeemed before maturity. then you would have forfeited some of the interest. but TIAA should report that to you as forfeited interest
