I'm confused about one thing - if the gross distribution wasn't taxable, does that mean you never got the money? I have a similar situation with an old 401k.

Just to add some reassurance here - I work in retirement plan administration and see these situations all the time. When you left your previous employer, if your 401(k) balance was relatively small (usually under $5,000), the plan administrator likely executed what's called a "force-out" rollover. This means they automatically moved your funds to an IRA to reduce administrative costs for the plan. The fact that you have both code G and code H suggests you might have had both traditional pre-tax contributions and Roth after-tax contributions in your old 401(k). The traditional portion would have gone to a traditional IRA (code G) and the Roth portion to a Roth IRA (code H). You should have received notices about this rollover, but they might have gone to an old address. I'd recommend checking with companies like Fidelity, Vanguard, or Charles Schwab to see if they have any accounts in your name that you weren't aware of. Many force-out rollovers end up with these large providers. Since the taxable amount is $0, you really don't need to stress about amending your return. The IRS gets the same 1099-R you received and their systems can see it was a non-taxable rollover.

I can relate to this stressful situation! I had a similar experience two years ago when I received a late K-1 from a real estate investment trust after already filing an amended return for a corrected 1099-B. The sequential processing really is standard - they won't even look at your second amendment until the first one is completely processed. One thing I learned that might help you: when you make that manual payment for your second amendment (which I definitely recommend), make sure to include a note or reference indicating it's for your 2023 amended return. I used the "additional information" field in IRS Direct Pay to note "Payment for 2023 1040X filed 4/10/2024" just to create a clear paper trail. Also, don't be surprised if your refund or final balance takes even longer to sort out after they process everything. In my case, they processed both amendments but it took an additional 4-6 weeks for them to apply all the payments correctly and send me the final account transcript. The good news is that once they start processing, they're usually pretty accurate with the calculations. The key thing is you did everything right by filing amendments as soon as you received the additional documents. That protects you from any penalties for underreporting income, even if the processing takes forever.

I'm dealing with a very similar situation right now - filed early in February, then had to amend in March for a corrected 1099-R, and just last week had to file ANOTHER amendment for a late K-1 from a partnership. The stress is real! What's helped me cope with the uncertainty is setting up a simple tracking spreadsheet with dates for when I filed each return/amendment, when documents arrived, and payment amounts. It gives me something concrete to reference instead of just worrying. I took everyone's advice here and made a manual payment for my second amendment through IRS Direct Pay yesterday. The system was pretty straightforward - I selected "Form 1040" for tax year 2023 and added "Payment for 2023 1040X filed [date]" in the additional info field. The hardest part for me has been the complete lack of visibility into what's happening. The "Where's My Amended Return" tool is basically useless when you have multiple amendments. But reading everyone's experiences here makes me feel much better about the long processing times being normal rather than a sign something went wrong. Thanks to everyone who shared their timelines and advice - it's incredibly helpful to know other people have successfully navigated this exact situation!

Be careful with this situation. I had the exact same scenario last year - 570 code with PATH message on WMR. I assumed it would resolve itself and ignored it for weeks. Turns out the IRS was trying to verify my 1099-K income amounts because they didn't match what was reported. The 570 eventually turned into an audit that cost me $450 in tax preparation fees to resolve. If you reported significant gig economy income, especially if you received 1099-K forms, I'd recommend being proactive rather than waiting. The IRS has specifically targeted gig economy workers for increased scrutiny in Tax Year 2023 returns according to their published Compliance Initiatives.

I'm in the exact same boat! Filed on 1/29, got the 570 code about 10 days ago, and WMR is showing PATH messaging. I've been checking my transcript obsessively and noticed something interesting - my 2023 return had way more gig income than 2022 (almost double), so I'm wondering if that's triggering the verification hold. One thing I learned from calling the Taxpayer Advocate Service is that 570 codes for gig workers often relate to income verification, especially if you had a significant increase from the prior year or if your reported income doesn't exactly match your 1099s. They told me the average resolution time this year has been 2-3 weeks for these types of holds. Has anyone else noticed if the amount of gig income affects how likely you are to get the 570 code? I'm curious if there's a threshold that triggers additional review.

Anyone know if state taxes are automatically withheld from 401k distributions too? My mom in Florida doesn't worry about it but my aunt in California is retiring and wondering about state withholding on her 401k.

One thing that might help your mom is to understand that the W-4R form doesn't get filed anywhere - it's just her instructions to the 401k company about how much tax to withhold. Think of it like setting up automatic bill pay, but for taxes. Since she's new to retirement, I'd suggest she be conservative and have them withhold a bit more than the default 10%, especially if she has other income sources. It's better to get a refund than owe money at tax time. She can always adjust the withholding later once she gets a feel for her total tax situation. Also, don't forget that 401k withdrawals might affect how much of her Social Security benefits are taxable, so the tax picture can be more complex than it first appears. The IRS has some good publications on retirement income taxation that explain all this stuff in detail.

Following this thread with great interest! I'm dealing with a situation involving some municipal bond interest reporting issues and potential state tax implications that my tax software completely choked on. The timing and preparation strategies everyone's shared here are incredibly valuable. I'm planning to try the 7:02 AM approach on Wednesday with the Forms and Documents line, armed with Evelyn's one-page summary technique and all my documents organized in advance. One additional resource I wanted to mention that might help others: the IRS has a "Where's My Amended Return?" tool online that can sometimes provide status updates without requiring a phone call. It won't solve complex issues like most of us are dealing with, but it might help some people avoid unnecessary calls for basic status checks. Also, for anyone keeping call logs like several people mentioned - I've started including the weather and any major news events on the days I call. Sounds weird, but I noticed I had better luck getting through on days when there might be fewer people calling (like during major sports events or right after big news breaks). Could be total coincidence, but worth tracking! Thanks to everyone for sharing their hard-won strategies. This community problem-solving approach is honestly more effective than anything I've found on the official IRS website.

This thread is absolutely incredible! As someone who's been lurking in this community for a while, I'm amazed at how you've all collectively reverse-engineered the IRS phone system. It's like watching a group of hackers crack into a poorly designed database. I'm dealing with some RSU (Restricted Stock Unit) vesting complications from a job change mid-year, and based on everything I've read here, I'm going to try this approach next week: 1. Call the Forms and Documents line (1-800-829-3676) at 7:02 AM on Tuesday 2. Have my complete "phone call packet" ready: prior year AGI, all 1099-B forms, RSU vesting schedules, and a one-page summary of my specific questions 3. If that fails, try Isabella's Business and Specialty Tax Line trick since RSU reporting can get pretty complex The one-page summary idea from Evelyn is brilliant - I'm going to include the exact dates my RSUs vested, the fair market values on those dates, and my specific questions about tax withholding adjustments. No more trying to explain everything verbally while some poor agent waits on the line. Thanks to everyone for turning what felt like an impossible situation into a manageable strategy. This is exactly the kind of community problem-solving that makes these forums valuable. Will definitely report back with my results!