Received a 1099-Q

[dec1000]

I received a 1099-Q showing me as the recipent. Box 1 had an amount in it, 2 and 3 had zero in them, box 4 is not checked, box 5 Coverdell Esa is checked and box 6 has nothing in it. I never asked for a distribution and never received any. How could someone get a distribution from it without my consent. I am 23 years old and work full time and go to school less than half time.

[NCperson]

call the financial organization that sent you the document and ask them for an explanation  

this form is used for distributions from a 529 plan that are used to pay for education..  Is there a 529 plan in your name set up by a family member?  You did mention you are in school. 

[dec1000]

I am finding out that there was a Coverdell ESA set up with me being the beneficiary. It is looking like the person that set it up, and made a withdraw, and used the money for something else, and because my name and social is on there as beneficiary, I got the 1099-Q. Am I just stuck to include it on my tax return? Again I work full time and attend school less than half time and I am 23 years old.

[NCperson]

please read the link below

https://turbotax.intuit.com/tax-tips/college-and-education/what-is-irs-form-1099-q/L7MAdcKz5

[dec1000]

Thanks for the link, I understand what the 1099-Q is. The 1099-Q is showing me as the recipient and I never received any money. Just to be blunt about it, my parent received the money either by getting the bank to send a check in their name, or in my name, and they forged the check and now I have to pay the taxes and penalties.

[NCperson]

best to discuss with your parents and / or ask the administrator for a copy of the cancelled check 

good luck