I am not an expert, but if I were you, I would make sure that the bank you contacted about the title is still the same one you started with. I had a similar experience when my brother came to live with me and we wanted to put me on the title with him but had none. I found that that bank had been sod to another and even dmv did not have that much information. Find a list of banks and see if yours is on it or if it annotates a transfer to another bank. It helped me, but it did take a while. I called up the new bank, explained, and finally got a duplicate title.

