Relay-charging typically routes NEG return through the chassis, introducing large amounts of resistance.
My last few observations of charge acceptance with bank voltage and SoC before cranking the engine. 180A alt @ 14.2v, 150Ah LiFePO4 bank:
0.245C, 13.07v, 60% SoC
0.13C, 13.15v, 72%
0.12C...