My retirement plan brokerage in December of 2022 made a surprise nearly lump sum distribution from my 401K account even though I am not required to take distributions until 2028; In raising the issue with them, they acknowledged that the distribution was made in error and they stated they would restore the distributed funds into the account. However, when the funds returned to the original 401K account in January 2023, only the net amount of the distribution was issued back to the account and they stated that the ~20% in tax withholding had to be re-couped by filing taxes; yet they refuse to void or issue an amended 1099-R, so as of now the only 1099-R that was issued to me shows the full distribution as taxable income. Ultimately this leaves me paying >$50k in taxes on income I did not receive for the 2022 tax year. Is the only solution to file Form 4852 as substitute 1099 if they refuse to issue some change to the 1099R? Is there any other recourse? Does this preclude me from e-filing?
