Honestly, I don't think someone broke into the router. (I've got it set up with a password because I'm broadcasting the SSID.)
What I think happened was that I may have tried solving some other problem at some point (or power outage) and when the modem came back on it detected a slower-than-normal upload speed and was doing some WAN Traffic Shaping limiting. I may have always had this checked but never had a problem with it until recently for some reason. Unchecking it has solved every problem so far so I'll just have to recommend that configuration to anyone I suggest this router to.
(BTW, I <3 the 655. It's got the best connectivity and plenty enough speed for my gaming just on its normal settings without some gaming QoS engine turned on. I so rarely drop connections to this router that I can't remember the last time I did. Other routers I've had from Linksys, D-Link, etc. weren't as reliable and weren't as friendly as the 655. The DGL-4300 turned out to be a piece of crap next to the 655. I just want to buy a ton of them so I have them in stock if D-Link ever makes the mistake of stopping production on it.)