A lot of bad info in this thread. The Iota can't possibly produce 14.8 volts into a large discharged battery bank. If it did it would destroy itself. As soon as the charger reaches its max amp rating it backs off the voltage to maintain that amperage output.
The only way a charger can control amperage output is to limit the voltage. If the charger tries to maintain 14.8 volts it will go up in smoke as the large discharged battery bank is capable of drawing far more current than the charger is rated for (55 amps). The charger will produce what ever voltage is necessary(up to 14.8 max voltage setpoint) to maintain that max amp set-point which is its rated output.
Sam