I think it depends upon how well you know the B&M employees. There is one B&M where I know the people pretty well and when I once saw some mold I pointed it out to them. They checked the cigars, gently wiped them down and gave me a couple of free sticks (not the moldy ones)
There are other local B&M's that I would not say anything if I saw mold because the employees are just there to take up space...