Well it took me 10 years to find it, I closed the rear driver's side door on my 2014 with a moving blanket partially in the door jam (it slid down off the seat) and it popped two of the clips holding the wheel opening molding. I saw it later and couldn't figure out how the clips broke and then started looking at the door. The lower outer most part of the rear door isn't actually the door, it's the wheel opening so if anything is in there and you close the door it pushes out on the trim piece breaking the clips rather than just not closing and latching.

New clips are on order, hoping I can replace them without having to pull the entire trim piece off.