Help! In March of 2022, while doing my 2021 taxes, I realized I had over contributed to my Roth for 2021. At the time, I simply removed the excess contributions of $1500 from my Fidelity account. I did not realize I had to fill out a withdraw of excess form and calculate earnings (completely my mistake). Now, it is 2023 and my 2022 1099-R from that removal is all messed up. I have been trying to get Fidelity to help me but they don’t seem to know how to recode it. Do I need to just report the entire $1500 as an untimely return now and pay the 6% fee since I never removed the earnings? How do I go about doing this? Fidelity seems clueless. After explaining my situation, the corrected 1099R they provided me still has codes PJ which I believe is incorrect because the J would indicate a timely removal, right?
This is a mess. Any and all help would be appreciated.
