Well, first of all.. if you're sure that you're within a year of the
manufacture date;
YES, get in touch with RIC as soon as possible. And, by all means, do the same with the seller. As for why this happens?? I can only speculate, along with everybody else. Neither of my Rick basses have this problem, but one is a '73 4001, and the other is a COY 2001; and COYs are pretty much a custom finish. My '87 Fireglo 330 guitar, though,
definitely has a finish problem. It's brittle as glass, and likes to come off in chunks. But, I dislike Fireglo anyway, so this just makes stripping it easier...
I do think the tailpiece might have something to do with the problem, since this seems to happen around there a lot. Yes, several people have found rough spots on the bottom edges of the tailpiece; that can't do a brittle finish much good. I also think that the tailpiece screws being either too tight or too loose might be a factor, also. Too tight has obvious consequences; too loose would let string tension pull the tailpiece's front edge down on the finish - again, not good on brittle paint.
In any case, you have my sympathy, and I really do hope the problem is solved to your satisfaction. I love my Ricks, and it bums me out to see people turned off of them because of stupid ... crap... like this, over and over...