Why does my reminder app set alarms several hours earlier than the time it creates for the reminder?

So I’ve had this issue for months and can’t seem to find a solution. When I create a reminder on my iPhone for the next day, the reminder is set to 9:00am by default. No issue. But when I look at the info, the time my phone chooses to alert me is set for 4:00am.

This is highly irritating as I’m asleep at 4 am and when I am up I don’t get an alert and often forget what I was trying to be reminded about. This is only a problem on reminders for the following day. If I set a reminder for today, it picks a time an hour or so later than the current time and the alert is also set to the same time.

I have looked at time zone settings, reset my location info, I have gotten a new phone since and upgraded iOS. It seems to stay an issue. Anyone else have this issue?