I read this and remembered the guy who opened my FF account. He also knew that FF account existed but never opened it himself and therefore I guided him the process and he opened it with 0 IP.
Also when I asked for a RM, BM personally called and told me as of now only HNI programs can have a RM. I know its not true as some members got RM in FF, but he also added if I happen to have any problem with the account then I should contact the guy (I had his number but he still gave me that guy's name and no.) who opened my account and thereafter I received another call from that guy asking to call him anytime when help needed.
Even after hearing about the freeze issues, I use it as a main account. One of the best accounts in my opinion. True replacement of Paytm PB for me.