Can anyone tell me what department I need to address in letting PNC Bank know they may contact me for a settlement? The last contact I had with them was through the short sale department and I don't think that is where I need to address this request to. I'm thinking the settlement department but not really sure. Also, I know it is not relevant but do you believe if no payment has been made in over 2 years this has been charged off even though it was discharged in a chapter 7? I noticed on my credit report that PNC had looked at my credit report 2 months after they denied an offer last year.