I have a similar issue but instead from Roth401K to rollover IRA its a 401K to ROTH IRA.
It happened during early COVID (2020) and my wife was pregnant, it was a hectic time. the transaction was online (not normally done but since it was COVID they did it online) and it just happened that the selected account number was the ROTH account instead of the rollover account. Life moves on and for some reason I did not to notice it until this year.
I consulted with a CPA and given 2 options:
1. let it go and hope that IRS overlook it (BAD idea)
2. Amend the return, pay 10% excise tax penalty plus all applicable income tax caused by it.
I wonder if there is other solution (recharacterize it?) since we don't have the means to pay the applicable income tax and the 10% excise tax generated by this.
Any further discussion / advise is appreciated.
