Iv'e had this GPU since August and had no issues with cooling. It lives on the wall in my living room in an open style case, Avg room temp 71. Two nights ago I noticed the card getting very loud while playing Monster Hunter World and Borderlands 3 but not Destiny 2. I'm running all the games at 4K 60 FPS most settings maxed. In Destiny I get 85+ utilization, in the other two games its pretty much pegged and my temps are hitting 65 degrees and thats when the fans go turbo mode. Ive got the default fan curve with MSI Afterburner and no overclocking. Even with the Afterburner program off it still exhibits this behavior. Could this be an issue with the card?