It was 100% a direct trustee to trustee transfer. I have that fax that I got from US Bank. I do not remember if I received a 1099R at time of transfer. The paperwork that I got from Us bank clearly shows it was a Roth to a Roth transfer. The transfer sheet from the Allstate clearly states that they received the funds and that it was going to be transferred to a Roth there. This was years ago and I never did make any more contributions to that particular account. I assumed it was a Roth all these years but when I made a distribution in 2020 I just recently received a 1099R that showed it to be a trad IRA distribution. In box 7 it showed the code 7 so I called them and they said it was sent over as a trad roth to trad roth transfer, but the paperwork that was filled out by US bank and signed by myself clearly states it was a Roth to Roth and they accepted it as such and stated they would place it in that account only. But that did not happen. I did fax the original contract to them yesterday but I am not sure how they will receive or if they will sent me a corrected 1099R since it has been many years since it was sent to them. My only concern now is since tax season is 6 weeks away how do i file my taxes if they won't update the 1099R. It was clearly set up with post tax money as a ROTH. Can I send the IRS copies of the whole transaction and file as if it was a Roth distribution??? that is what is worrying me the most is the tax implications of this mess. I hate to pay taxes twice and than pay tax on the gain. I am not sure what is my best move. Any advice would be helpful and very appreciative.
