It is my understanding that if you are looking at an object falling into a black hole from a remote viewpoint, then the object will appear to take “forever” to complete the fall into the black hole. The object is effectively frozen in time at the black hole’s event horizon, from the remote viewer’s POV.

Is this the correct interpretation so far? If so, let’s remember that.

It is also my understanding that a black hole can increase in mass as it captures new objects. The mass does increase from an external viewpoint. Is this accurate?

If I understand known science on the above points, then the paradox I see here is that while the visual information is frozen in time from the external POV, the mass of the black hole does increase from the external POV. So is this where the Holographic Principle comes in? Or is there another explanation here, or am I off-base entirely?

Or is it just that the accretion disk gains mass and black holes never increase in mass from an external POV, after they are initially formed?

Is this known?

Please either attempt to answer my tortured question, or point me to material that might lead me ask a better question.

Thanks!