Shot in Spring Hill, Florida (40 miles north of Tampa) and I got the picture last week.
I saw an American Goldfinch in the area -- and this fellow came within range. My id trouble is due to the color and shape of the beak. The body resembles American Goldfinch but the beak is a puzzler to me.
It appears to me that the beak is deformed. The upper mandible being shorter than the lower mandible. Other than that it is an American Goldfinch in non-breeding plumage.
OK Scott- here's an hypothesis- AMGOs have light-coloured bills and you can see this in the lower mandible just above the chin. So the hypothesis is that the black thing that looks like the bill is actually a black sunflower seed shell.
Here is an image of a AMGO taken in my backyard in Spokane, WA in 2004. This birds is in non-breeding plumage and has a dark bill. When in breeding plumage the bill is an orange-yellow. Your bird may be eating a Black Oil Sunflower seed as John has pointed out.