Paint problems of the 1999 Oldsmobile Intrigue

1999 Oldsmobile Intrigue. Paint peel on bottom driver and passenger doors, both sides. Contacted gm and asked that I visit the Oldsmobile dealer where I frequent. The dealer indicated that the paint peel is due to no splash guards or mud flaps. Contacted gm customer service and gm sided with the dealers assessment of the reason for the paint peel. The dealership would not even take pictures of the vehicle to send in to the gm zone administrator and would not consider doing so because the car's warranty had expired. How can the paint peel be due to no splash guards or mud flaps when the 1999 Oldsmobile Intrigue standard or optional feature do not include splash guards or mud flaps.