Oh man, sorry to hear that. First payment....ouch! Nothing grinds my gears quite like trying to keep a new car looking that way. I have no idea what could cause that kind of damage, but I sympathize. Bought a left over Dodge Grand Caravan new last year. First new vehicle I've ever owned, I noticed some rust on the rear hatch, looks like shoddy paint job rather than damage. The AC evaporator just went, seems to be a fairly common problem in some Dodge/Jeeps. And just for good measure, I seem to have a recurring issue with the pasenger side sliding door motor. Every now and again it will open the door and get stuck in that position. I disconnect the battery and it resets and works fine for several weeks. Of course the new car warranty doesn't cover the evaporater or the paint and I cannot recreate the door issue for the mechanic. Makes me nuts! Good luck.