I have fx 8120 @ stock / stock cooler, asus motherboard. Idle temp is around 34 to 36 ( I am browsing and watching youtube)..... at max load it goes up to 52. I think at 65 you should not be worried, but yes you should control it now, rather than having some major problem later. I have 2 x 120 mm fans intake and 1 x140mm exhaust mounted on the case.
Just do the following things
1. how much psu you have ?
2. What about your ventilation ? you might want to check the airflow
3. room temperature ?
4. try a good quality thermal, and place the stock cooler again.
5. if nothing as above works, then buy an after market cooler.
I am sure nothing is wrong/faulty in your system