Gerard: you were in a taxi on the way to a comic convention, and you saw someone standing in the rain, obviously going to the convention too. you got the taxi to stop and pick him up, not realising it was your idol, Mr. Gerard Way. you started chatting, trying not to fangirl/boy, but he still noticed. later, at the signing, he also gave you his number.
Frank: you were being harassed by some people at your local band night (the ones where the crowd reacts as if they were at Warped Tour, even if the band wasn't great), Frank saw and got them to back off. you hung out for the rest of the night and exchanged numbers, before finding out he lives in the house next to yours.
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Oneshots
Fanfictionprobably won't do much and they won't be very good, i'm sorry in advance