Thank you so much. I do have three different email accounts, but all should have been backing up to iCloud. In any case, I ended up spending a couple hours on the phone with an apple support representative and they ended up having me do an entire reset of my phone. An old corporate email account that I’m no longer actively using or connected to, but held over 400 contacts all those contacts had been removed. Apple informed me that in the past two weeks they’ve had hundreds of people calling in with the same issue with old, inactive exchange Accounts. And all of a sudden, any contacts associated with that account no longer showing up .The exact issue has not officially been identified, but she believes it had to do with a recent update. Once we did the phone reset the 400 contacts on the third exchange email account reappeared. We saved them to files and then from files saved them to Apple contacts and then they were all recaptured and saved under iCloud. Phew!
Sorry, I cannot provide exact steps on how we did this, but if anyone else is having this same issue with missing contacts, it could be from an old exchange account and I suggest calling Apple to walk them through the steps.