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Is this rust and should I get a refund?


Hi I hope someone can help?! I bought this brown turkey fig tree online. I suspect it has rust, customer service have said the leaves are preparing for autumnal drop and that discolouration like this is normal and anyway rust is easily treated etc they have declined to refund. Am I within my rights to try to get a chargeback? or am I over worrying and this tree will be fine in the spring as they have insisted? I have bought for someone else who is not a gardener.. thanks Mandy
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I'll see if I can find it, but perhaps someone else will be able to advise in the meantime
I live in west central Scotland - not where that photo is...
Gardening in Central Norfolk on improved gritty moraine over chalk ... free-draining.
Gardening in Central Norfolk on improved gritty moraine over chalk ... free-draining.