The battery won't be anywhere near fully charged when the charging voltage is only 3.9V without a load. The voltage will be lower with the battery connected because your 10 ohms resistor isn't a current regulator.
The 10 ohm resistor limits the current to 400mA for a dead short. When the battery voltage reaches 3.0V then the 10 ohm resistor limits the current to only 100mA. When the battery voltage reaches 3.5V then the 10 ohms resistor limits the current to only 50mA. You need an active current regulating circuit to provide 400mA until the battery voltage reaches 4.2V.
You
must use temperature sensing circuit to avoid a fire and manufacturers of Li-Ion batteries also recommend timers as another backup.
Read all about one manufacturer's Li-Ion battery charging here:
https://www.panasonic.com/industrial/battery/oem/chem/lithion/index.html
EDIT: Panasonic shows that their Li-Ion cells are only half charged when the voltage reaches only 3.9V.