I'm sure someone may have a clue, but a picture might help. In general I know coins can be put on the wrong planchet...and during the war there were some changes. I think for me a pic would help for sure.
I have seen coins get plated with other metals with no human interaction.
A while back ago, I was at an artificial pond that was emptied for maintenance and in it I found many pennies and several quarters that appeared to be silver at first. The action of the sediment in the pond wore away the dates on the quarters, so all I could see was the large QE2 obverse (i.e.1965-1978) and faint caribous. When I brought the quarters home, I confirmed with the magnet test that they were not silver, but silver plated nickel quarters. I suspect there was silver coins somewhere in the pond and that impurities in the pond setup the right conditions for electroplating the nickel coins with silver.
I have one of these too. A 1945! I think this coin may be the victim of science class or as someone already said, used as a necklace. Mine even has a hole drilled in exactly the same spot as yours.
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