When I bought my SP101 I went to a rental range to try one out first. Several times while shooting it double action the gun would lock up and I could not physically get it to keep going. I brought it up with the gunsmith and we fiddled with it and determined the transfer bar was hitting the firing pin and stopping rather than riding up and over it.
When I bought mine it had the same problem. If you would dry fire it while pointed down it would lock up. I disassembled it and put a small chamfer on the top of the transfer bar to give it a ramp to ride over the firing pin. No issues after that.
After he threatened to steal mine about 30 times I also bought one just like mine for my father in law. When I was checking his out and tuning it up I also noticed that the transfer bar hung up on his too, but not enough to jam the action. I took his apart and fixed it as well before giving it too him.
If you are going to address this or have someone do it for you, do yourself a favor and install a Wolff or Wilson spring kit while your in there. SP101 are very easy to take appart and put back together. There are some good instructions on the internet on how to disassemble and slick them up. It makes a massive improvement.
https://www.midwayusa.com/product/1004158679/wilson-combat-custom-tune-spring-kit-ruger-sp101
https://www.sp101trigger.com/