MERS is a program to track your house loan, when in turn if you miss a few house payments and it goes to forclosure. These banks are making fake documents to get you out of the house even if they dont own the note on your house. This has infected everyone in the MERS program. To find out if this is you goto MERS.com and enter your info,if your name comes up then this can effect you. If you pay your house off Im sure you will get a fake note, Your note may not even exist anymore thru MERS. That is why Freddy Mac was in the bailout process cause it would close most of the banks open.
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