I contributed during 2020 and noticed it was in excess of the allowed amount in 2021. The full amount with earnings was withdrawn, but it was done so after 1099-Rs went out. I talked with Betterment support and they said 1099-Rs are sent for the year the transaction occurred, not the year the contribution was made. But it seems like the IRS wants it reported now to avoid a penalty and I'm not sure how to report it without the 1099-R. I know the capital gains amount but have nowhere to enter it.
