I have never gotten a zero on an exam, but I have gotten a zero on an assignment.
In 10th grade, my teacher had us keep a binder of all our papers. At the end of the year, we had to go through the binder and find 5 specific things (a quiz, a test, a homework assignment) that our teacher wrote on the board. Unfortunately, I lost my binder with all my documents a few days before. So I received two 0's for my Organization Test. My grade went from 98 to 94. I was very upset! But, I survived. :)