Thomas,
Well, I am surprised to hear that. I have bought a few swords from Tsuruta-san recently, and there was never a problem with holding them for me, even for longer than a week. Communication has been excellent, too.
Have you agreed on a date on which the bank transfer should been made? If yes, maybe there has been a misunderstanding concerning the date? I find it very difficult to believe that they have done it on purpose.
In your friend's case - was the blade not fitting into the saya/tsuka? The fact that in most cases koshirae are made from mixed parts is not a secret. And yes, they do rattle and so on...
I guess you should state all facts (in detail) - otherwise people could come to the conclusion that what you say is slander. I don't say that you are not telling the truth, but you haven't provided evidence.
Some of our statements seem pretty erratic: e.g.: what do you mean by "transfer could have caused issues"? The only issue is that it takes a few days if between two banks in different countries.
Sorry to be so blunt.