I have seen several posts here with various wallets with this problem. None of the posts seem to address how to fix the issue. I have a Nano wallet with Guarda desktop version. I have pending coins from an exchange being sent to my wallet. The transaction actually says it is complete even though the wallet isn't opened. I've tried import my Guarda wallet to my phone, zero balance. Then importing it to Natrium, zero balance. No errors messages just zero.
Nanocrawler and Nanolooker says " This account hasn't been opened yet. While the account address is valid, no blocks have been published to its chain yet. If NANO has been sent to this account, it still needs to publish a corresponding block to pocket the funds." Nanolooker says there are pending funds.