Thank you all for your help! Hopefully they will re-issue the 1099-R. They had told me to contact a tax professional regarding filing, which I don't have, so I dove deep into the IRS website, this forum, and the resulting information provided gave me answers. I sent them a message with the following:
I have been informed that all withdrawals/distributions last year should be categorized as J. It would be in TDAmeritrade's error to issue code T, because you know I have met the 5 year waiting period based on your records of the account. You're also aware I'm under age 59 1/2, and have not died.
T is used ONLY if it's unknown if I've met the 5 year waiting period, which I've had the account with you since 2013, so you know the answer is yes. Therefore code T is in error.
Q is used IF I've met the holding period (which you know I have) and I've reached 59 1/2, or died, or become disabled, which you also know I have not.
J therefore should've been the code on all forms for my distributions.
Please send the corrected 1099-R at your earliest convenience.
After learning all this, code T is in error, even if they didn't know my age. My first contribution was December 2013, made to this account, with them from day 1. So this makes NO sense why they're telling me it's not their error. I also put 'Y' that I had met the 5 year holding period on all my submitted forms, so I don't understand what is going on over on their end. If they weren't sure of my age, I marked 'Y' to the holding period, so they should've used Q and not T. If they refuse again, I believe I'll have no choice but to file by mail. Ugh.
