Winne 1ST posted
"If you look at this from the other side: consider a 120/208V wye system, and place a single phase 16 ohm resistive load between phase A and phase B. 13 amps will flow through this resistive load, and 2704W will be delivered to the load. But for 13A to flow through the load, 13A has to flow through both phase A and phase B. This means that 1560VA is being supplied by each phase. If 3120VA is being supplied, but only 2704W delivered to the load, then there has to be a power factor somewhere"

Winnies 2nd post
(Winnie)
The phase A wye connected transformer coil is delivering 120V phase to neutral. 120V * 13A = 1560 VA. Same for phase B.

Winnie and all
You MUST understand that yes there is 13 amps on phasse A and on phase B. But the 16 ohms is connected phase to phase and not phase to neutral. You could connect it phase to neutral but then you have to deal with the currents being out of phase. You CAN NOT add the 1560 VA together. It is a VECTOR ADDITION.
I do not know of any other wy to explain it to you. I suggest you get with some one in your area who can go through the technical aspects of vector addition. If you will just look at the site I gave you you will see how the phase look and how they add together. Simple addition does not work here.