IIRC, FX chips cannot be accurately measured in HWMonitor or programs like that.
What are you using to record temps? What kind of workload are you performing at the time? Stress test? Gaming?
I believe AMD OverDrive was an option at one point..... not sure if it still is.
Essentially OD measures headroom. So 20'C would be "20'C of headroom before shutdown" .... with throttling occuring in the 10'C and less range.
Getting an accurate reading for the chip would be a good place to start.
It may not be temp throttling though, depending on the motherboard you have.
Many boards "support" an 8350 in theory only. 125W TDPs, and boards build around the 95W chips. The power delivery just isn't capable of handling the higher wattage chips (and that's before you look at chips like the 9590's :lol