... we're of the thought that something has been 'delivered' so we should keep our money.
That's not just a thought, that's a fact. It's the credit card company's and iStock's fault for implementing unsecured transaction/verification procedures.
Yup, my thinking too.
Not only that but I don't think IStock have the right not to pay me for the licenses I am selling to legitimate buyers now, which is in effect what they are doing by leaving me with a negative balance on my account; taking back money from unrelated sales.
So what? I'm indentured to IStock till I can pay off the debts they ran up by not looking after their security? please