Never had a problem like this with my M&P's. It sounds like maybe the previous round left something in the chamber and the next one wedged inside or the round in the chamber had something happen and has wedged itself. I had a box of factory ammo come with two rounds that were pressed almost all the way into the case. The box had gotten crushed a little on one corner and they were over seated. I noticed and threw them away as I had no desire to have a malfunction.
The smith should be able to release the extractor from the round manually and then remove the round from the chamber and see what the case is. I can understand the apprehension to use it as a carry weapon but assuming you purchased it new and that it was a weapon malfunction and not a problem with the ammo I would contact S&W and arrange for it to be sent back for them to fix. I dealt with their service department on my .45 about 6 months ago. The spring in the magazine had a bad spot that was soft steel and when it was loaded it would compress and not spring back. Less than five minutes on the phone with the gentleman at S&W and a spring was in the mail, got it 3 or 4 days later and ended up with two new springs even though only one was bad. Also one of the reasons why I have purchased factory new so far, enjoy having the warranty so unless I mess something up it is pretty well covered.
The smith should be able to release the extractor from the round manually and then remove the round from the chamber and see what the case is. I can understand the apprehension to use it as a carry weapon but assuming you purchased it new and that it was a weapon malfunction and not a problem with the ammo I would contact S&W and arrange for it to be sent back for them to fix. I dealt with their service department on my .45 about 6 months ago. The spring in the magazine had a bad spot that was soft steel and when it was loaded it would compress and not spring back. Less than five minutes on the phone with the gentleman at S&W and a spring was in the mail, got it 3 or 4 days later and ended up with two new springs even though only one was bad. Also one of the reasons why I have purchased factory new so far, enjoy having the warranty so unless I mess something up it is pretty well covered.