That is why for virus removal a fast/quick format is not considered enough. Best practices calls for a full-format AND a couple of scans afterwards. Ideally two which can detect rootkits. There are 'stubs' which can attach to all sorts of things which while not the full-virus can invoke the remains of the virus. Sometimes the lead portion will be nothing but the installer of the virus and can call to the host to get the rest.
Virus-writers are typically not very good coders and not very imaginative. But a few of them are real poo-heads.
This is anecdotal.... meaning a guy told me, not something I saw. I was in charge of IT security and was presented with a virus which "could not be removed". He claimed to have formatted and...