Individuals set up corporations, LLC's, and other creatures of statute to protect themselves from liability. When they allow them to "die," they open themselves up to the liability they paid good money to avoid.
Banks reaching out to customers with concerns that an entity is not in good standing are doing the individuals a favor, a real favor. Those receiving such a phone call should be appreciative, nothing less.
Again, without more facts, such as eligibility for exemption or evidence of existence for CIP purposes, this is not a BSA issue per se
In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.