Changing number of tabs

I am designing a mobile application, in which a user can see their accounts and select one of them to work with. But the account types may be different. Some accounts are multi-user meaning they belong to a group of users and some are single-user. The multi-user accounts need three tabs (have three phases for each inquiry), while single-user accounts need only two tabs (have two phases for each inquiry). The problem is that when a user tries to use the application, is it confusing that some of the accounts have two tabs and some have three? An alternative solution would be to show three tabs for single-user accounts too, with the third tab disabled, as it is not available in the single-user view.