The problem is not with Fotolia: it is with the individual reviewer.  It is very rare to find a reviewer who understands either (a) IP law or (b) how a given agency interprets it. (a) and (b) are two very different things and agencies are extremely risk averse. Reviewers seem to be even more so and reject anything they are unsure of.  Most images rejected on IP grounds do not infringe any law but, understandably, an agency wishes no expensive legal argument even if confident of winning.

If a brand is involved there are multiple jurisdictions to consider. For a picture of property I have found Fotolia very reasonable if I include a comment about the applicable law in the country where the property is situated.

For your picture in Germany, the relevant law is Urheberrechtsgesetz � 59. I don�t think it�s cut and dried for Meersburg. Yes, it is the outside-only representation of a piece of architecture but, on the other hand, there are access restrictions to the castle which MAY invalidate � 59.

Look up the law for yourself and, if you think Panoramafreiheit applies, note that in your description. Alternatively, submit it again next week when another reviewer will look at it with a completely different set of misapprehensions