Seems I solved my own problem. Here is what I found by wandering around the internet. This is only applicable when it appears the amount of EIP has been incorrectly reported on the Rebate Recovery Worksheet and the filer is Married Filing Jointly. If you are having this problem (and filing MJF) do this:
Log into your own IRS website and look at your records. The path is "Account Home > Tax Records". Right there, you will find the following heading and associated information (read it carefully, I have provided the bold highlighting for you):
2020 Economic Impact Payment Information
Use these amounts to calculate any Recovery Rebate Credit on your Tax Year 2020 return.
If you file as Married Filing Jointly, each spouse should see their own amount within their own account. All amounts must be considered if filing jointly in 2020.
<END IRS WEBSITE INFO>
After you look at your own account, then have your the other half of your "jointness" log into their IRS account and view the same information.
When the return is a MFJ, each of the "joints" needs to login to their own IRS account and to determine the amount paid. Equally, each of the "joints", if needed, should verify the amount was actually deposited into their bank account (or accounts). I think if you pull the string far enough, you will find the total amount paid to the "joints" is equally divided and reported between the two accounts and is therefore accurate (for MFJ). This is the exact case for me and my "joint". Also, this may be why there appears to be a strange and consistent anomaly in the complaints (lots of them on the internet about this issue whether it was from Lacerte, TurboTax, TaxSlayer, or any other program), that the IRS was "taking back" exactly 1/2 of the credit.
