Thank you guys for all the suggestions. I'll probably give Alex a call and see what terms he offers.

I looked at this state law (I am based in California):
https://codes.findlaw.com/ca/civil-c...t-1747-85.html

It looks like BoA violated state law by closing my account immediately without notice. I believe it is hard for BoA to argue that I pose a default risk to them so they need to give me 30 day written notice before closing my account. The closure caused me inability to redeem my points (monetary damage) so I think I have a case against them in court.

I'll probably sue them in SCC in California (and my SO can sue separately). Looks like I can sue for up to $10K which is adequate if I can get that much in the end.

Any suggestions are welcome.