X520-T2 Network Adapter stopped because it overheated (3 cards failed/3 pcs)?

I have had 3 different X520-T2 cards in 3 different PCs fail with the Problem: "the network adapter has been stopped because it has overheated."

These are Dell PC's and there does not seem to be a reason or solution, other than replacing the card.

The Dell warranty has expired (2 months on 2 of them) and Intel will not replace because they are OEM.

Has anyone else experienced this issue?

Thanks,

Chris J.