When you say that it is easy to rack without a full magazine, do you mean that a partially loaded magazine or empty magazine do not cause this problem?
Perhaps the feed lips on the magazine are a little wide, causing the top round to push up on the slide, so the resistance you feel is racking against a round. This would be most pronounced when the magazine is full, and the spring pushing the hardest. When you inspect the chambered round, is there unusual wearing on it?