Your use-case is a little complicated. I may have missed it, but are you getting the same response from the playground? I do. https://platform.openai.com/chat This uses no api key, just whatever org and project is at the top of the page.
```You exceeded your current quota, please check your plan and billing details. ...
```
If only the support LLM had an MCP to reset someone’s account. It very clearly gave me every possible thing that could go wrong and finally said that it was something on their end, but the human in the loop told me to try again: “Please try again after refreshing your browser tab“ and asked screen shots. I’m thinking they have a bug. 48 hours now.