Possible neutral problem - Utility side vs. Load Side?
Both your circuits' hots are red wires... Ok... But I follow them, and several pairs of wires are cable-tied together which suggests 240V or MWBCs, ok..., and they both disappear into the bottom conduit, where--

What, the, actual, heck...???

--  there's like 20 red and black wires going into this fat conduit, And Only One Neutral!    

You can't do that!!!  A bajillion circuits can't share a neutral!   Each hot gets its own neutral, except for MWBCs where two hots share 1 neutral.  You can't have a MMMMMMMMWBC! 

You also can't put more than 9 wires in a conduit without derating (using thicker wire). 

This is either a total nightmare, or needs some serious explaining.   Who did this work?