[paxys]

Just because one doesn't know or understand all the banking regulations doesn't mean they don't exist. Tell me, did the OP file form W-8BEN with Goldman when they left the country, and was it forwarded to the IRS?

[rendaw]

W-8BEN doesn't appear to have anything to do with this. AFAICT it's a form to qualify for a lower withholding rate for US income.

[paxys]

Nope, every foreign resident with a US bank account has to file it with their bank. E.g. https://www.bbamericas.com/en/forms/w8-form-instructions/