john.kissaneI would recommend removing and re-adding your desired locations. When I changed Android phones, it remembered some devices/locations and forgot others, and has had no issues after I manually re-entered Smart Lock info.
I don't see anyway to deny/allow it access to the location as Google Play Services doesn't show in the location permissions. Worked ok prior to the Android 10 update, same thing was reported by a Z6 user on a local forum as well when I asked:
Yea now that you say it, all my smart lock places are not working and the Bluetooth auto load are out too (car starts up, maps loads on connection)