Hey there Lee. N,
Sorry to hear of your problem. I have an off duty and a pathfinder, so not identical guns, but I'm guessing the same system. Never had an issue with the transfer bar though and I've fired both quite a bit as well as dry fired the off-duty. I don't think there should be any issues with that. (I use snap caps, how about you?)
The off duty has been flawless. I did, however, have a problem with the pathfinder keyholing... Dropped it off for repair (I'm very near their shop) and it was ready for pickup in 3 days... Great customer service, responsive to questions... No complaints here at all. I also was given a tour by Mr. Ecker, the owner, it was quite interesting... a he's a very nice guy also. i met several of the staff (both office and production crew and they were VERY competent people and knew their jobs and their guns. A very clean and organized shop (I'm also in manufacturing. I notice and have appreciation for that sort of thing)
By the way, I saw their cabinet holding the guns in-house, for repair.... WAY fewer than one might expect, especially considering the number of Charters out there, and some of the very negative posts you read online .... There were maybe 5 or 6 in for repair..... tops (including mine).
Bottom line, I'd give them a call, or drop an email (my email received a response within a day or so). The customer service was excellent. The gun is now spot on.
Do I like my S&W's ? Absolutely. Do I like my Charters? You bet I do, and wouldn't hesitate to purchase again, especially after touring their facility and speaking with them directly.
Good luck.
W_F