To people who argue that the person at the agency should have used a microstock agency, the problem is, the image you get from a microstock agency (without an account) almost always has a big watermark on it, so it can't be used to make an acceptable mockup.
To get an image from a microstock agency without a watermark you need an account, and the junior designer tasked with doing the mockup probably doesn't have one, and she didn't have time either to go ask for one.
Bad process? Certainly. But big corporations don't necessarily have good process. They have people sitting around in offices, subcontracting everything to consulting companies who in turn try to have the work done by unpaid interns if possible. Okay, that may be a caricature -- but truer than it sounds.