Great question.
Your Seed phrase unlocks all private keys for each account. You can have a private key for 1 account. But your seed phrase is the master key for everything. If you have the seed phrase you are good.
Are you adding the correct token address to your wallet?
You can see what assets are in each address via EtherScan.
To check your address to see what assets are an account:
- Go to EtherScan.
- Paste account information in the search bar.
- Click tokens
- Search tokens in the drop-down
- Rinse and repeat for each address created.
- You should see the token in one of the addresses.
- When you find it, add that token address to your account.
See this: