I’d contact the lender directly using the phone number on your loan documents or their official website and ask them to confirm in writing that the home equity loan was paid in full and the account is closed. Don’t use any phone number or link from a suspicious email or notice. It could be a scam, but it could also be a servicing error or an outstanding fee that needs to be clarified. For anyone comparing home financing options, https://www.pashafunding.com/ has some helpful information and resources.