- talk to T Rowe they should be able to straighten their records. Tell T. Rowe you are transferring the money elsewhere.
- You should be able make a contribution in excess, regardless of what the custodian says. You know it is not an excess contribution.
- make the contribution with some other custodian, like a self-directed Roth brokerage account, which is where your Roth money should be. To have an IRA brokerage account at T. Rowe they charge you $20 a year (last I checked). Others charge zero.
Once many years ago my sister had a tax-deferred issue with T. Rowe. After talking to a supervisor, they agreed to modify their records, even though it was not strictly permissible. So that worked out. For some reason the supervisor was in a good mood.
Note: the withdrawal of excess ($1,000 exactly) will appear on your 1040 distributions line 4a, along with the amount converted.
