Anyone ever get a letter from the iRS stating you may owe a considerable amount? In 2019 I did a direct transfer of money from a Vanguard IRA to my credit union and set up two IRA CDS. However, the IRS apparently did not get the message and treated it as a withdrawal The letter said I had until 6/14 to respond. I mailed back two forms that day showing the contribution and the two new CD accounts.. The next day I went up to the credit union and they said they would mail me a "corrected" form 5498 (IRA Contribution statement) so I assume the first form was incorrect. So, if any of you have had previous dealings with the IRS have they been reasonable and after looking at the documentation cleared the record without further hassle? Or do the auditors have a quota and are expected to collect XX$ for each audit? It is impossible to get a live person on the phone and the estimated response to a letter is 30-90 days.