I had a near drowning. I was swimming under water and became disorientated. When I tried to surface, I was under a dock. So I swam away (still under water) and tried to surface but was just at the other end of the dock.... and then I did the same thing one more time and was under a different dock. Finally, on the 4th try, I was able to surface for air. I was at the point that I couldn't bear to hold my breath any longer.
That is what happens when you swim at a boat launching area of a marina I guess...