My wife owns a 2002 Solara. I had the oil changed yesterday, and once they screwed off the oil cap there was a big chunk of metal.

So we removed the top of the intake to get down were the timing chain & cams were and it was a piece of metal that broke off from the lining of the top of the intake? After further investigation, no other metal found was found, so we put everythng back together and refilled with fresh oil.
After looking at this piece, there were marks to were something was rubbing against it and it chipped off. I'm assuming it was the timing chain, the cams lobes looked fine. How could this happen? The car has never once gave us any problems with 65K on the odo? Never been wrecked, driven hard, & always cared for. It drives fine, and I hear no noise coming from the motor.
Taking a trip to the dealer this weekend to find out what could of happened, or what is about to happen to our beloved Toyota.
Any suggestions?