Man Withdraws Counterfeit Cash From ATM

A guy from New Jersey in America claims he withdraw counterfeit cash from a ATM. He withdrew about R20 000 from his savings account. Then he later went to another bank to deposit the money, only to find out from the teller that one of the $100 bills was counterfeit. He reported it to the Secret Service and went back to the to get a refund, but the supervisor said it was against the bank's policy, since he already had left the bank with the cash... 

Has this ever happened to you? Or was he just taking a fat chance?