1.65V probably won't hurt it in the short term, but it won't help either and over time it can make the RAM wear out faster. Try taking it off of auto and setting it to 1.5V and see if that does anything. Hard to say, though. Most motherboards should be able to handle two sticks of regular 1.5V on auto, since that's pretty much what auto was designed for.
At this point, it's hard to say without knowing the full specs of the rest of your system. It still sounds like a RAM problem, but voltage seems less likely, and you'd have to be extremely unlucky to get two bad sets of RAM in a row.
In particular, it would be good to know what kind of motherboard you have (please don't tell me it's made by Intel). Next wold be the PSU, but pretty much anything you can tell us would help.