People posting to other forums recently have mentioned a similar lack of competence in TDAmeritrade reps regarding these IRS notices. They don't seem to be getting timely training which is making things unnecessarily difficult.
A rollover of a February distribution under Notice 2020-23 doesn't have to be back to the distributing account, but still need to be completed by July 15. Since this wasn't an RMD, repayment under Notice 2020-51 is not an option. Otherwise, you would need to qualify as an individual eligible to receive a Coronavirus-Related Distribution to be able to take advantage of the provisions in the CARES Act. It doesn't matter that the distribution occurred before you incurred the qualifying effects of the pandemic; if the individual qualifies, any distribution made between January 1, 2020 and December 30, 2020 (up to a limit of $100,000 in total CRDs to the individual) can be treated as a CRD.
