A 2018 1099-R with "JP" indicated a 2017 contribution returned in 2018 that would be incorrect.
The bank is probably trying to cover it's error by issuing a retroactive 2018 1099-R because you first asked for the return in 2018 and they failed to do so, however, now they have compounded the error by putting the 2019 coded on a 2018 1099-R. A 2018 1099-R for a 2018 contribution returned in 2018 would be code "J8".
You should try to get the bank to correct that with the correct codes, otherwise the IRS will probably be asking why it is not on your 2017 tax return.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
