Increasing the gap limit shouldn't be the issue truly,
Perhaps I am not making myself clear. Again... it isn't an
address "gap limit" issue. It's a Mycelium specific
account "gap limit" issue... and I put "gap limit" in quotes because it isn't what we usually refer to as the "gap limit" (ie. check for X "unused"
addresses before assuming there is no more transaction history to look for).
It would appear that initially, Mycelium had stopped syncing properly, and was not showing the transactions on his #4 Account, even though, according to the OP, they had been confirmed (and I assume they were showing on blockexplorers etc). So, OP then uninstalled and reinstalled the app, wiping all the data... after restoring from their seed, Mycelium was only showing the first 3
accounts... so, it was still not syncing the transactions from the #4 account properly... however, because of the
account "gap limit" logic within Mycelium (ie. do not show an empty account on wallet restore), it didn't even show the #4 account as existing.
To illustrate... it sounds like the OPs Mycelium wallet looked like this...
Before uninstall:
Account#1 - Transaction History
Account#2 - Transaction History
Account#3 - Transaction History
Account#4 - no transaction history, but account visible
After reinstall and restore:
Account#1 - Transaction History
Account#2 - Transaction History
Account#3 - Transaction History
That is to say, Account #4 was not recreated after the restore... as the app was still not syncing those transactions correctly. OP then manually created Account#4 and Mycelium magically synced the 2 missing transactions and displayed the correct balance.
At the end of the day... it's basically due to the relatively regular failing of Mycelium to sync properly. Whether this is a problem with the client or their backend server infrastructure is unknown. Personally, I suspect it is the backend server infrastructure, but I have no real proof of this.