Amend 2024 tax return to report any positive earnings accrued by the 2024 excess and retract any reported penalty.
assuming you gave the custodian the correct instructions for your situation, only the earnings on the contribution for 2024 were calculated and sent back with your 2024 contribution,
If you are not sure, confirm this with the custodian before proceeding any further.
Amend 2024 if that is an amount > Zero.
To amend now, you will have to fabricate a 1099-R document since you don't have one at this time. This trick is discussed elsewhere on this forum.
If you amend now, you can e-File 1040-X.
@neutron450
