How do you know for sure that you are on the mainnet and not the testnet?
I'm asking because the checkbox under "Device Settings" was checked even tough I specified that I wanted to use the mainnet during the wallet installation process...I have been able to send 1 ARDR to someone on this forum, so it must be OK.
I having a similar problem. I can't log into my Ardor account because it says I'm connected to the testnet, despite the fact that I specifically chose no to the testnet.
You installed on windows? Check your nxt.properties file in the conf directory. In there can also be a line that activates testnet.
Try maybe deleting(or temporarily renaming) the file, and see if it helps.