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It sounds like it's likely a timing chain tensioner. Failures in this area are rather uncommon. Fortunately, your car is probably still under warranty; Toyota's powertrain warranty has been 5 years or 60,000 miles for some time now I think. If you have fewer than 60,000 miles, I'd definitely bring it in to the dealership. If not, the timing chain tensioner is actually fairly easy to replace as I understand.
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2011 Toyota Camry (Sandy Beach Metallic)
2005 Acura MDX Touring (Billet Silver Metallic)
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