This happens alot, I know when the gtp series of ball bearing turbo's came out for the powerstroke, I worked for the largest garrett distributor in the u.s (diesel injection service) and there was a large amount of failures of various causes, and wheel rubs and so on happen on brand new truck engines alot as well. It happens.
As far as the middle man, ratedz, it's very rare to not have a middle man, as most large manufacturers use distributors to make the sale, and handle the warranty considerations, just as garrett, and borg warner, and others do. Precision would do the same thing if you sent it to them, they may or may not warranty it. It's just a chance you take, most of the time it's plain to see if it's oil contamination or something else, if not chances are your turbo will be fixed or replaced without question.