I absolutely call this:
require_once( ABSPATH . 'wp-includes/pluggable.php' );
which includes the function:
function wp_mail( $to, $subject, $message, $headers = '', $attachments = array() ) {
// Compact the input, apply the filters, and extract them back out
No idea why it is throwing an error.
I have an SMTP plugin, but wp_mail fails with it active and disabled.