Contacts disappeared

Hi!

I recently purchased more iCloud storage to be able to update my iPhone 11 Pro Max to the latest software. As soon as I finished purchasing the plan my phone’s software would not load (black screen with white circle and boot looping Apple logo). When the phone powered back on, all of the Apple app icons were invisible but usable, all of the contacts from the last 8+ years are missing, and iCloud only has 1 contact (“My Card” missing the phone number). After restarting the phone only the icons were restored.

Trouble shooting has been:

-checking mail -> accounts under settings

-toggled iCloud contacts sync off and on

-toggled each email account contact off and on

-signing out of and into iCloud account on device

-rebooting

-updating to latest software

-resetting network settings

-making sure that all groups of contacts are selected

-changing region, language, and time zone

-editing a saved contact’s phone number

to no avail.

The kicker is that the contacts will show after creating a new text message and typing in a name, but after sending the message there is only the phone number. Emergency Contacts are still available with the correct information.

After comparing settings to an older device I noticed the option “On My iPhone” is missing under settings and the Contact group.

Also, a local prefix has been added to phone numbers, when the original contacts were not saved with one. My best guess is that the numbers are not being recognized as the same number.

Are there any steps that I have missed to get my contacts back?

(The screenshots show an example of the pinned contact under a new text.)