In 2021 we contributed $6,000 to a ROTH IRA. This was a mistake and about a week later we withdrew the money. I have a statement from the vendor that shows, in the same month, $6,000 in contributions and $6,000 in distributions. However, we ended up getting a 1099-R in 2021 that shows a $6,000 gross distribution with distribution code J ("Early distribution from a Roth IRA, no known exception (in most cases, under age 59 ½)").
This situation doesn't seem to be in the common list of exceptions for ROTH withdrawals. Are we really stuck paying the penalty on this?
Thanks.
