NHTSA Complaint #11621647 — 2016 HYUNDAI VELOSTER

Shortly after finishing major repairs at my local dealer, I started to expirience, what I believe, now, to be a "low-end engine knock". Engine knock can usually occur due to oil starvation, where the connecting rod bearings are worn and debris enters the engine. So, I brought my car back to the dealer to ask them what this strange noise was I was hearing; I asked them if it could be the brand new clutch, or their equipment they left in the engine bay for me. They gave me an answer and it was to not drive the car anymore. One employee of the dealer even suggested "wrapping it around a telephone pole"... They told me what the repairs would cost and I had not qualified for a warranty extention so I left. I acquired a definitive diagnostic elsewhere and was shown the gravity of the situation. My oil filter had caught pieces of the engine and it was dubbed an engine knock. This incident took me completely by surprise. I regularly changed my oil and never saw my levels get so low that they would be considered empty. I have only owned the car for 5 years and it being only 8 years old, I was hoping to enjoy the driving expirience for years to come. That sensation has been replaced with apprehension and possible engine fire... how do I afford to buy a new car every 5 years if I can't drive the one I have now??