Has happened on two seperate occasions. While switching servers character will get wiped for no reason. Game seems to be loading and then when it finishes loading I am a fresh spawn.
Only seems to happen when switching servers while looking for a day time server.
I believe this happens when you go onto certain servers on the server list that are potentially running modified server files or settings. It's kinda weird.
You log onto a server (successfully), not knowing the server is bad-- and your fresh-spawn overwrites your old character.