Older BMWs used a viscous coupling type cooling fan driven off the water pump pulley when the fan hub failed it would lock on the fan and make a load sound as you describe, (it would normally only operate or "lock up the fan hub" when the gel expanded due to heat in the radiator and contract when the radiator had been cooled down). I am not sure but I had thought you car uses an electric fan mounted to the radiator in which case my answer is incorrect. I have no access right now to my workshop manuals.