Ok, everything is fine. Don't worry!
Let me explain it a bit:
A multicore processor's speed isn't the total of the speeds of each individual core. So, each core is supposed to work at 3,2 Ghz, it's not something like 3200/4 = 800 Mhz.
Since you can see all four cores under device manager then you are fine, the CPU is correctly identified by your motherboard's BIOS and all four cores are working.
Here's what happens in your case:
Modern processors are designed in such a way that they will underclock (aka reduce their speed in Mhz) when they are not used, in order to save power and keep their temperatures low. So, when you are in Windows, your CPU will run at 800 Mhz.
When however you start an application that requires more processing power, your CPU will speed up to 3,2 Ghz. This technology is called "AMD Cool 'n' quiet" and it's implemented on every Phenom II.
In your case, it's just a coincidence that 4x800=3200. My Phenom II x3 720 runs at 2,8 Ghz. When I enable Cool 'n' Quiet it will run at 800 Mhz. As you can see, 3x800=2400, not 2800. As I said, every Phenom II will do that, don't worry.
You can download an application that monitors the CPU speed if you want to see for yourself. CPU-Z will do that:
http://www.cpuid.com/cpuz.php
Install CPU-Z. You will see that the processor still runs at 800 Mhz. Leave CPU-Z open and run a CPU heavy application like a game. While the game is still running, press Alt+Tab and check what CPU-Z reports. You will see that it reports 3,2 Ghz which is the full speed of your processor.
You can of course disable Cool 'n' Quiet via your BIOS. There's no reason to do that though, leaving it enabled will make your machine run cooler and emit less noise since the CPU fan won't have to work at full speed.