Believe me it did happen and I had to sit in my local immigration office and wait for an answer from Bangkok and was advised not to withdraw money until I received the visa
No put application in with all papers and money's correct asked officer if I could now with draw money was told yes withdrew 20,000 baht about 4 days later got a phone call saying Bangkok had refused my visa due to there not being enough funds in my account
Don't touch it till you get the visa I did last time and bangkok refused my visa I only got it because the officer admitted to saying I could withdraw some but I still had to get more statments from bank