Thank you for your further feed back. This is not an inherited IRA.
In 2019, the bank did not distribute the full RMD amount, it was short by the amount of the combined federal and state withholding amounts. These amounts were taken out of the IRA and distributed to the IRS and State in 2020. My 2019 filing included a Form 5329 to explain why there should not be a 50% penalty on the RMD shortfall.
So the 1099-R form appears to be inconsistent in that it has a $0 taxable amount (which is fitting for the "R" code according to the other responder on this thread) yet does include non-zero amounts in both the Federal and State withholding boxes since that is what occurred.
Maybe it is only the Distribution Code that is wrong.
