I entirely agree with you. I also think it's unfair to 'Frank's writer' if the conclusion is immediately that one character only has a problem with another character because of OOC issues. There are assumptions being made, and a lot of players can't seem to handle any conflict and so immediately assume that there is something OOC involved rather than admit that characters may have reasons for responding and acting the way that they had.
What it boils down to, is assuming that someone is OOC bullying you makes you guilty of blurrying the IC/OOC lines--which is exactly what you're accusing someone else of doing and which is just as unfair.