I took my first Roth distribution this year and noticed TurboTax taxed the entire distribution. Same problem, "T" code assigned by Fidelity even though they have records that this Roth IRA existed with them in 2007 and I am well over 59.5. They refuse to issue corrected 1099 with "Q" code. I spoke to IRS  and agent suggested filing with "Q" and have notes ready if return is flagged at some point.

I could understand Fidelity issuing T code if they didn't have the info needed to issue Q. But, to knowingly issue the incorrect code is inexcusable in my opinion. They told me I'd need to contact (hire) a tax professional to provide advice.

After 50 years with Fidelity, I am looking around for a new home for my investments and those I oversee for others.