Not realising you have paid off your mortgage for a year and a half ago, is not fraud, it is a mistake. I mean: who really cares about paying the mortgage? I never realised I finished paying.
Absolute cobblers!
Paying off your mortgage and becoming outright owner of your own home is a milestone. Just about everyone you talk to is aware of their mortgage and when it will be paid off. Reminders are everywhere, so much so that it would be impossible to not be aware of your mortgage.