Originally Posted by ChocolateFactory

Opened Citi checking account in 2020
Opened Citi Premier a couple months later in 2020
Opened Citi Business Aadvantage World Elite in 2022
Opened Citi Aadvantage Executive World Elite mid 2024
No other AA cards.

Citi closed the checking account a couple of months ago - no reason given.
I only used it to pay off my Citi cards, so I figured it was just because I wasn't using it enough - or potentially because I'm mostly outside the US.

No MS on the Premier. The Premier had also been cursed with ultra frequent fraud alerts (sometimes every 2-3 weeks), so I have found myself using it less and less.
Heavy foreign spend on both Citi cards for some time last year (made it to EXP within 2-3 months). That triggered an AML review, but everything was still good.

This month, I made two payments to someone through a non-US service comparable to something like Venmo, with about a week between them. Both payments (a couple thousand dollars each) went through without any issues, but some time after the second payment (same day), all cards were closed. So it seems quite likely that this was the trigger - but I also had a lot of legitimate spend.
I am wondering if a contributing factor might have been that I spend very little time in the US.
It could also have been the fact that my spending pattern for the past month was so different. Maybe that got the account flag, and maybe then someone just reviewed it and they didn't like that there was so much foreign spend, I don't know.

What about the accrued ThankYou points? Can you still transfer them out? Does it matter if you live in NY or another state?
Will the AA points still post? What's the risk of AA shutting me down as well? Should I burn all my AA points on refundable awards, just in case?
Right now, I can't even access the list of recent transactions, and the statement hasn't even closed yet.