The legend claims that he was a coal stoker on Titanic, and survived after she sank on her maiden voyage on 14 April 1912. Two years later, on 28 May 1914, Frank was allegedly aboard Empress of Ireland when she collided with the Norwegian collier  in the Saint Lawrence River. This disaster was considered the worst peacetime maritime disaster in Canadian history, and Tower was one of only 465 of the 1,477 aboard to survive.
The legend claims that Frank worked as a coal handler on Titanic, and he managed to escape after the ship sank on its maiden voyage on 14 April 1912. Two years later, on 28 May 1914, Frank was reportedly among those on board Empress of Ireland when it collided with the Norwegian freighter  in the Saint Lawrence River. This maritime tragedy was considered one of the most severe peacetime disasters in Canadian history, and Tower was one of only 465 of the 1,477 aboard to survive.