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Thanks everyone. I'm not about to do anything, I intend on paying my loan as I have been, I'm just curious as to what the legal opinion would be. Not to argue with your analogy about the teller but isn't that scenario you described specifically covered by a federal bank error law. Would that...

I understand the morality of the question, but I was more looking for the legality of the issue. I didn't really think that honest mistakes changed anything in the eyes of the law. But maybe they do, I'm not an attorney. Is this correct, that the bank still legally holds a note and a mortgage...

I was planning on continuing to pay, but I was just wondering on what grounds I have to keep paying since they sent me the note?

I had a small loan and a rather large mortgage with my bank. I recently paid off the small loan with my bank and they no longer show that loan on my online account. However instead of sending me their original copy of that loan and saying that was paid off, they sent me their original copy of...