I bought annuity with money from bank account but changed mind and withdrew the purchase in 20 days. The insurance company returned money back to me as a check and I deposited it back to bank. Now I received 1099 R indicating this amount as a gross distribution with the distribution code 7D. This distribution now is added to my income for 2020. I don't think this is correct because I practically cancel the purchase and went out the contract. Thank you.
