No, I haven't heard that story :O In my experience it's Bill. Constantly just running away on his own, taking health packs when he doesn't need one and I'm bleeding everywhere, refusing to come into the safehouse, etc. One time when I was playing, we all get to the safehouse, but Bill's just sittin' there. I hear a Smoker cough, a Boomer be fat, and then the musical cue for the horde. I closed the door and watched him die. Mission success.
Zoey may be a bad AI, but I've always played as her, so I wouldn't know.