Hi Jek!
Is it possible for you to make a video for us?
It's also possible that the disc is actually grinding to the shell (when it's spinning).
Are you sure that the top cover is 100% seated correctly and all the screws are in (just to be sure)?
Otherwise you can check for a new top cover and see if that solves it.
As it does work with the top cover off, the components should be OK.
Since when is this happening? Just out of nowhere? Or did you do a repair before it happened?
Please let us know!