Update: (Resolved)
I defaulted the phone back to iOS 12.4 and everything worked, updated to public release 13.1 and everything worked. Restored a backup from iTunes and it broke again. Something with the backup was messing it up.
Final effort was to Reset All Settings...
This corrected the problem and my data is all there.
What does Reset All Settings do?
Only your system settings will be reset. You will not lose any apps, data, documents or files.
What this effectively does is to reset some of your Settings to factory default. It’s not a complete removal of settings. It removes all of your preferences for Wi-Fi, Bluetooth, Do No Disturb, Notifications, General, Sounds, Brightness & Wallpaper and Privacy.
Thanks for everyone's feedback..!
Tony