I'll describe this as accurately as I can… this is a new one! I have two credit cards, and balance spending between the two of them. I regularly run reports of spending on each, using the last day of the most-recently-ended month, and the first day of an earlier month to make a twelve-month period. Today I am showing very random ghost transactions in my reports… $0 transactions to my 401(k) from my Amex account (there are never any transactions between those two), and an expenditure from my (separate) transit account card for my bus pass posted to my MasterCard report.