A tear? I'm so sorry for this. Could you please post a pic?
And about the hardware, usually they don't chip, but if they bump onto something a bit of the brass coating could rub off, but that's normal. I actually like it because it makes the hardware look more vintage and 3-D.
In any case, if you're unhappy with your bag you need to take it back to the place where you bought it from and ask for an exchange or refund.