Roth gains are taxable if you make a withdrawal prior to retirement age. Contributions can always been withdrawn tax free, since they are post-tax contributions to begin with.
OP, they should've only refunded your contributions, not any gains at all. I believe the form you need is 8606. It allows you to enter your cost basis (your contributions) and your withdrawal amount. Since your withdrawal will be less than your cost basis, you'll owe $0 taxes on that $ once you complete the correct form. Your tax program will have the form, but you'll likely have to search for it, it probably will not prompt you to fill it out on it's own.
Yeah I suppose you're correct on that. I'm past retirement age so my frame of reference has changed!
I'm pretty sure this is all a tempest in a teapot. The OP didn't say what the ill gotten gains amounted to but I bet it was less than $100. If was me I'd just leave it in the account and not worry about it. I doubt the IRS is going to fire up the black helicopters for less than $100.
