Yep. Happened to me last week. Downed a tank and went in to loot. Heard a noise behind me, turned and voila…a harvester RIGHT there. Needed new underwear.
No, never happened to me.
Edit: I have to say that I have a Reaper roaming the lands and I let him in peace. The chance for spawning a second Reaper right in front of me is slim. I do check up on him from time to time.