when you're done pulling your hair out with internet advice, consult the manual.
https://www.renogy.com/template/files/Manuals/CTRL-CMD20-40.pdf
Bulk Charge: This algorithm is used for day to day charging. It uses 100% of available
solar power to recharge the battery and is equivalent to constant current. In this stage the
battery voltage has not yet reached constant voltage (Equalize or Boost), the controller
operates in constant current mode, delivering its maximum current to the batteries (MPPT
Charging)
Constant Charging: When the battery reaches the constant voltage set point, the
controller will start to operate in constant charging mode, where it is no longer MPPT
charging. The current will drop gradually. This has two stages, equalize and boost and
they are not carried out constantly in a full charge process to avoid too much gas
precipitation or overheating of the battery.
Boost Charge: Boost stage maintains a charge for 2 hours by default. The user
can adjust the constant time and preset value of boost per their demand.
Float Charge: After the constant voltage stage, the controller will reduce the battery
voltage to a float voltage set point. Once the battery is fully charged, there will be no more
chemical reactions and all the charge current would turn into heat or gas. Because of this,
the charge controller will reduce the voltage charge to smaller quantity, while lightly
charging the battery. The purpose for this is to offset the power consumption while
maintaining a full battery storage capacity. In the event that a load drawn from the battery
exceeds the charge current, the controller will no longer be able to maintain the battery
to a Float set point and the controller will end the float charge stage and refer back to bulk
charging.
Equalization: Is carried out every 28 days of the month. It is intentional overcharging
of the battery for a controlled period of time. Certain types of batteries benefit from
periodic equalizing charge, which can stir the electrolyte, balance battery voltage and
complete chemical reaction. Equalizing charge increases the battery voltage, higher than
the standard complement voltage, which gasifies the battery electrolyte.
WARNING: Once equalization is active in the battery charging, it will not exit this
stage unless there is adequate charging current from the solar panel. There should
be NO load on the batteries when in equalization charging stage.
WARNING: Over-charging and excessive gas precipitation may damage the battery
plates and activate material shedding on them. Too high of equalizing charge or for
too long may cause damage. Please carefully review the specific requirements of
the battery used in the system.
WARNING: Equalization may increase battery voltage to a level damaging to
sensitive DC loads. Ensure that all load allowable input voltages are greater than
the equalizing charging set point voltage.
Battery Charging Parameters
Battery GEL SEALED FLOODED
High Voltage Disconnect 16 V 16 V 16 V
Charging Limit Voltage 15 V 15 V 15 V
Over Voltage Reconnect 15 V 15 V 15 V
Equalization Voltage ----- 14.6 V 14.8 V
Boost Voltage 14.2 V 14.4 V 14.6 V
Float Voltage 13.8 V 13.8 V 13.8 V
Boost Return Voltage 13.2 V 13.2 V 13.2 V
Low Voltage Reconnect 12.6 V 12.6 V 12.6 V
Under Voltage Recover 12.2 V 12.2 V 12.2 V
Under Voltage Warning 12 V 12 V 12 V
Low Voltage Disconnect 11.1 V 11.1 V 11.1 V
Discharging Limit
Voltage
10.6 V 10.6 V 10.6 V
Equalization Duration ----- 2 hours 2 hours
Boost Duration 2 hours 2 hours 2 hours
_____________________________________________________________________________________________________________________
see the paragraph in bold? that's why you're not charging very much. you have a huge bank and are trying to run a system at 38.5v and MPPT does not work for you with that big of a bank. So instead charging at 20amps you're charging at 5 amps.