PG51:
Was your transfer really a "direct rollover" in the sense that the IRS intends, that is, a trustee to trustee transfer?
In the original question, there was no a "direct rollover" because the amount was sent to the taxpayer as a check.
Please read "How do I complete a rollover?" to see how the IRS handles the terminology.
So PG51, do you really have a "direct rollover" in the IRS sense, and is one of accounts a Roth? I am not convinced that your example and that of original poster are the same.
@PB51
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