I was skeptical but this turns out to be exactly the case. I apparently began the return under one user ID, then created another a few weeks later when I went to finish it. Luckily (after waiting n hold for about 4.5 hours), my very patient tech support rep (Lynn) was able to walk me through the process of identifying the list of potential logins and we zeroed in on the correct one, changed its p/w, and then I was able to d/l the completed returns.
