Demand an oil consumption test. You just pay for the oil change at the dealer which is generally $40 and they will check your oil every 500 miles (you will need to bring it in). They replace the rings and pistons for free if you use 1 quart or more in 2,000 miles.
Chances are the chains are fine. They will get loud when you are low on oil.
But if they have to be replaced, it will be MUCH cheaper to do so when they already have it opened up for the rebuild.
Fuel in oil is NOT good. Your high pressure fuel pump may be leaking or an even more likely cause is the fuel is getting past the piston rings into your oil.
Im guessing you are getting really crappy gas mileage.
Jeff from Iowa, Purchased 2011 Nox in Nov. 2016, Manufacture date 10-10, 2.4l, AWD