Welp, I can officially join the club. Fortunately, this is the first "club" of this type on TDIClub I have had the misfortune of joining.
'14 Passat TDI - Oct 16 '13 Production date. 28,257 miles. Car was purchased on Nov 30, 2013. Sometime last week the turbo whistle started getting noticeably louder. At first I attributed it to cold temperatures, me having the radio off, and hypersensitivity to automobile issues. On Thursday I went out to run some errands at lunch and the noise was LOUD. The car drove just fine and no warning lights came on the dash. Drove it to the dealership and they didn't have a tech available to take a ride, so I left it.
They call me back a couple hours later and state that it needs a turbo. The service writer said it would be overnighted and the car should be ready to go on Friday afternoon. Friday afternoon came and they said that one oil line didn't come in and that it would be sometime the next week, so they arranged a loaner car for me. (Got to drive the '15 Passat TSI SE/Nav - pretty fun.)
Monday afternoon about 3:00P I got a call that said the car was good to go. Tech only put 3 miles on it, but it drove great and of course there was no notable turbo noise. Knock on wood, it's been about 100 miles or so now and it's driving great.
Overall, I got lucky - the turbo didn't catastrophically fail, however I did recognize the abnormal sound and took it in before anything did happen. I think I got even luckier that when it first started to get noisy it didn't grenade. There were a few highway runs and such, and with something spinning 150K+ RPM, I would expect any imbalance to just cause the thing to grenade.
So far, I have to give props where props are due - Pugi VW in Downers Grove was excellent in handling the situation. In on Thursday, out on Monday. Total repair time, about 2 business days. Even though I didn't buy the car there, they gave me a loaner no problem and so far the job seems to have been done right the first time.
One thing I did notice is that after driving 100 miles or so the oil is STILL clear. The oil pump and oil pan must be where all the soot collects that turns our oil black pretty much immediately after a change. I'm going to run back down and check it again - it's just too weird!
Verbatim tech notes on the service order -
"28260 The turbo failed internally causing a whining noise while driving. I test drove the vehicle and the was a whining noise from the turbo while driving under boost. I removed the intake pipe to the turbo and found the impeller rubbed into the side of the turbo housing. I followed tech bulletin 21-15-03 for replacing the turbo. First I loosened the DPF filter to inspect for contamination. No oil was present in the DPF filter. Then I reinstalled the DPF filter and plugged off the oil feed line to the turbo. I ran the vehicle then drained the oil and filter. Next I removed the oil pan and removed the oil pump. Then I reinstalled the oil pump and remove the DPF filter and the turbo. When cleaning the intake pipe I found debris present in the charge air cooler. I cleaned all the intake lines and replace the charge air cooler. Next I installed the new turbo and reinstalled the DPF filter. I filled with fresh oil and test drove the vehicle. No noise present under boost. In mileage 28257 and out mileage 28260."