IOS 13.1 lost contacts

Common problem , I read. Perhaps not 13.1. Did this, and it worked:

Toggle Contacts in iCloud Off and Then On Again

Your contacts have not disappeared. They are just not showing up properly. Try toggling Contacts in iCloud on and then off again to fix it. Here's how to do that.

Step 1: Launch the Settings app on your iPhone and then tap on iCloud. For users who use iOS 11 and later versions (including iOS 12/13), they can find iCloud by going to Settings > Your User Name > iCloud.

Step 2: Find "Contacts" and turn it "ON" if it is "OFF." When asked, tell iCloud to "Replace your Contacts." If it is already turned "On" toggle it "Off" and then "On" again.

Step 3: If asked, select "Delete from My iPhone". Don't worry, your contacts are still in iCloud and they will come right back to your iPhone.

Contacts are neither stored locally on an iPhone nor in SIM. They are synced to an email account that you had Google, iCloud, AOL, Exchange, Outlook, Yahoo or any Other

1. How many Contacts account (email client server) you have?
2. What is your default Contacts Account?
3. Which email account you are using to store Contacts?

• See the GIF below for Contacts and Default Account

• Learn how to add an email account and make it default (Watch the GIF)
• This example is for Gmail but the process remains same for all Google, iCloud, AOL, Exchange, Outlook, Yahoo or any Other

Hi, go to settings>contacts>default account - what is that set to?

I have the same problem. “My info” uses my name. When I choose my name, I go to a dialogue that wants me to choose a name among my Address Book.

One last thing. Credit where it’s due:

https://www.imyfone.com/ios-data-recovery/solutions-for-iphone-contacts-disappeared/