User overclocks aren't (usually) guaranteed. Cards that are factory OC are guaranteed at that rate, but typically that is as far as it goes.
As long as the card performs at the rated specs, there's nothing 'wrong' with it. The FTW3 cards are 'better' cards right out of the box, but at the advertised specs only. Once you start pushing the numbers, on any card, you will be limited by the 'silicon lottery'. It's not uncommon at all to have two identical cards, and have completely different OC performance on them, because one card was blessed by the silicon gods, and one wasn't.