Hi kbush62,
welcome to the Apple (user-to-user) Community.
Re: "Camera not working with zoom"
Thank you ... for clearly stating the difficulty, providing Mac and OS details, and sharing what you have tried!
Seems you may need to open Safari, and Choose Safari > Preferences> Websites (top menu) > Camera (left sidebar) Here you should be able to choose "Ask", Deny", or "Allow", for apps that make use of the Camera.
Apps that do not have "deny" selected should then appear in that privacy tab you mentioned the first time they ask or use the Camera.
More info if needed:
Control access to the camera on Mac - Apple Support
or
What to do: If FaceTime isn't working on your Mac - Apple Support
All the best :-)