Help! I have three clients this year all holding Roth accounts that were converted in the late 90s. Each got 1099s that show T in box 7 with in the code when an exception could apply. Death, disability or other exceptions when you are under 59 1/2. These women are in their 70's and 80s. One of them left Fidelity and rolled it to a bank. She's only been back to Fidelity a few years. But why would they use T when she has none of the three exceptions. Will it bounce with IRA if I use Q? The last woman shows a T and they withheld Federal and State taxes. She's 83. Fidelity won't correct the 1099s sticking me with the problem. 

If I use Q am I setting the clients up for a CP2000?  Someone out there must know a workaround. I'm a Registered Securities Representative. Back in the day, withdrawals were done with paper and the client had to tell the investment company what code to use after reading the instructions. Now they do it with a phone call and leave a mess for me to clean up. 

Any help would be appreciated.

Thank you.

Denise