I've always taken my required RMD from my traditional IRA on December 24th - why the penalty?

Please check the posting of your 1099-R.

Under Federal

1. Wages & Income
2. Scroll to IRA, 401(k), Pension Plan Withdrawals (1099-R) [Add/Edit]
3. Did you get a 1099-R in 2024? [yes]
4. If you are adding a 1099-R [+ Add another 1099-R]
5. The steps are the same from here
6. [Change how I enter my form]
7. [Type it Myself]
8. If necessary chose a person [Continue]
9. Who gave you a 1099-R? Click box [Continue]
10. Post the 1099-R
11. Be sure to enter box 7 [continue]
12. Do you have info in Box 2a or Box 2b? Yes/No
13. Is the IRA/SEP/SIMPLE box on this 1099-R checked? Possibly
14. Where is your distribution from? Probably None of the above
15. This should be a Qualified Plan
16. Do any of these situations apply to you? None of them apply
17. How much of the $XX,XXX was an RMD?  The entire distribution was an RMD
18. Let's get more information about your Required Minimum Distribution (RMD).
19. Required Minimum Distribution Amount Probably the same as the 1099-R

If the penalty still exist, please contact us again with some additional details.