E-filed a 1040X, IRS requested a 1099-R form

[MEL MANDICH]

I e-filed 2025 TurboTax Fed/State taxes in early February 2026.  When I tried to download my tax forms, TT file included a "DO NOT FILE" watermark on every page!  Got distracted by trying to print clean copies without the watermark. Only later did I realize that TT had deleted (?) my 2025 estimated quarterly tax information.  So, I overpaid my 2025 taxes. 

I then e-filed 1040X, adding the missing prepaid tax info.  The IRS sent a letter indicating that I was owed a refund due to missing estimated quarterlies (a good thing) 3 days after my 1040X forms were sent.

Then the IRS received my 1040X forms; oh man!  The IRS sent a 2nd letter this week indicating that they needed me to "complete a 1099-R form to support the changes made on the amended return".  Confusing! My amended taxes were had no impact on my 1099-Rs!  

Even more concerning, the letter received on May 18 was an IRS system-generated letter--different format, different font.  I thought it was a scam letter.  

So, here's the bottom line:

1.  Don't waste time trying to navigate the TT "DO NOT FILE" conundrum; TurboTax IT team, do better!

2.  Amended 1040X forms do not include any 1099-R forms when e-filed by TT.

3.  If you receive an IRS letter in the mail, I encourage you to check your inbox under 'Notices & Letters' at IRS.gov to determine whether the letter is legit before you respond.  Will save you a few anxious hours.

4.  The IRS letter formats/fonts are different based on where tax forms are located in THEIR system, BUT--to be absolutely safe--assume that the letter is a scam and CHECK your IRS.gov inbox to verify.  You can also call the IRS at [phone number removed] (if you have a few hours to spare on hold).

5.  If the IRS letter asks you to "complete a 1099-R form", DON'T!  Contact your financial institution and have THEM send the forms directly to the IRS.  Taxpayers are NOT supposed to generate 1099-R forms!

6.  The IRS call center staffing has mostly been eliminated; unless you have a specific action (request a transcript, check status of refund, make a payment), the system keeps returning to the main menu.  BUT, if you really must call, then calling really early in the day mid week is highly encouraged.

Just wanted to share this info in the hopes that it saves other taxpayers valuable time and energy.   

Finally, during this process, I did contact TT's contact a pro service; DON'T EVEN BOTHER.

[Mike9241]

What do you think "Do Not File" means? FYI, it means the forms are not the official forms for that year, and the calculations on the worksheet may not conform to current law. Whatever problems you encountered was due to you ignoring those warnings.

however, I don't understand how you were able to e-file with the DNF on some forms. Turbotax's computers should have caught this and prevented e-filing.   

online TurboTax updates the forms automatically soon after they are finalized because recoding the app may be necessary. desktop, generally, when you open the file there is an automatic check for updates. However, the check for updates can be turned off. If you do this, the TurboTax accuracy guarantee is probably voided. 

omitting the estimated tax payments may cause a delay in processing your return, but when the IRS computers check your account, they will generally pick them up and adjust your return accordingly. This is why you got the IRS letter so fast after amending. The iRS would not have process it within 3 days of mailing

[MEL MANDICH]

Yes, I did understand that the DNF watermark was problematic.  Searched the topic on this forum and sent a question to TT about it at the time.  Interestingly, I did updates, refreshed the app etc.  Double checking via TT's error check etc.  Since one has no visibility to the final docs transmitted to the IRS, it's difficult to know how the forms look at their end.  I filed in early February, so you're probably right about final changes to the tax code and software.  I did enter my quarterly tax info, but somehow--as I indicated before, the printing issue totally distracted me--the final tax info was edited in the final version.

I've been filing with TT for years, and have never experienced either of these issues.

The tax codes have changed massively in some ways.  IMO, if TT is unable to make the software changes needed to meet the new tax code revisions, they should not allow users to file until the software complies with tax codes.