Thank you. I think you are right. Just answer the TTAX 2020 Step-by-step, auto-generate the Worksheet, and let the IRS tell me if I owe or not. I got a second opinion from a CPA this morning who said the same thing.
Your Answer: "Sounds like you are answering the question incorrectly. When you are asked for information regarding the recovery rebate credit--you have to answer correctly that you did receive the EIP payments. And.....further....it is too late to receive that credit even if you answer incorrectly. The deadline to claim that credit was on May 17, 2024 so the IRS will not pay it to you even if you incorrectly have it on your 2020 Form 1040. Any 2020 refund has already been forfeited; if you owe tax due for 2020, your late filing penalties and interest have been adding up since the filing deadline for that 2020 return."
