With the cheapest oil possible many dealers use, I'm not even sure what off brand oil we're using, we just switched to whoever was cheapest this year. Along with the cheapest filters possible it's conceivable that going 12k would cause the chain to "strech" but only if it's a overhead cam engine with a long chain, even then I wouldn't expect enough wear to occur in 12k unless it happens repeatedly with low quality oil/filters.
You rarely see problems on ohv engines due to the short length of the chain, any wear that does occur doesn't really add up to that much. But I've changed countless timing chains on vehicles still under base warranty for timing chain rattles, almost exclusively on poorly maintained vehicles. It doesn't really matter which manufacturer, over the last 10 years in dealerships I've seen it on Saturns, Hondas, Hyundais, Kias, and Chrysler products.