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				 Citifinancial Retail Services 
 
			
			I just got a statement for a soundsaround account that I closed 5 years ago.  Good thing is I got the letter from them 5 years ago stating that the account was closed.  So I called them up asking if someone was fraudulently reinstating this account and they said that they sent a terms and condition letter for the account.
 My question is how do terms and conditions apply to an account that was closed 5 years ago?
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