dmertz
Level 15

Retirement tax questions

As it stands, you've actually made a $26k regular contribution to the Roth IRA and Vanguard classifying it as a rollover is incorrect, based on incorrect information provided by you to Vanguard.  You'll need to get Vanguard to correct the classification of the deposit.  To avoid an excess contribution penalty, the correction would have to be made as an explicit return of contribution, not as an ordinary distribution.