In the 2021 tax year, both my wife and I contributed $6k each to our Roth IRAs early in the year, and by the end of the year we had earned too much to make any Roth IRA contributions so I informed TIAA prior to filing taxes and they returned the $6k each from our Roth accounts (and I therefore didn't report those $6k overpayments that had been retracted due to exceeding the income limit for Roth contributions). However, this year I received 1099-R forms for those retractions (not sure whether "retraction" is the correct word, but I assume it's sufficiently clear what I mean in this context), and they sure look like they were incorrectly processed as withdrawals from our Roth IRAs rather than retracting excess contributions. Nonetheless, when I put them in TurboTax not a thing changes on our total income, AGI, taxable income, standard dedication, and so on for 2022. Given that what was supposed to be a retraction was apparently processed as a withdrawal, but apparently has no tax consequences, is there any reason to worry about the retractions being mischaracterized as withdrawals--should I let it go and move on, or is there a compelling reason to try to set the record straight with TIAA so they are characterized as retractions rather than withdrawals?
