I made a Traditional IRA distribution that was supposed to be a reversal of a contribution within the same tax year. I did not submit it as "excess contribution" because technically it was an allowed contribution, but I was not eligible for the tax break, and I didn't want to keep it.
I also had some funds withheld from the distribution in the amount of 10% for early distribution as a "just in case", and I didn't want to be considered behind on taxes. Because I made sure to take the distribution before April 15, I believe this distribution is not taxable under "Returned IRA Contributions" here:
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-o...
Now I have a 1099-R form which says I took a distribution plus federal withholding, and I'm not sure how to submit this as a non-taxable distribution and get the federal withholding back.
