allow “calls from contacts only” still allows everyone’s calls to ring

Hi haggy2,

It sounds like there's an issue with calls ringing to your iPhone with a custom Focus set. If so, check out the information below to ensure your settings are correct. You can also find this information here: Allow or silence notifications for a Focus on iPhone - Apple Support

"Allow or silence notifications from specific people during a Focus

1. Go to Settings  > Focus, then choose a Focus—for example, Do Not Disturb, Personal, Sleep, or Work.
2. Tap People (or tap Choose People), then do one of the following: 

• Allow specific people: Tap Allow Notifications From, tap , then select from your contacts.
  • You can also turn on options to allow calls from certain groups of people and allow repeated calls (two or more calls from the same person within 3 minutes).
• Silence specific people: Tap Silence Notifications From, tap , then select from your contacts.
  • You can also turn on Allow Calls From Silenced People.

Note: Regardless of your Focus settings, you can allow calls from your emergency contacts to come through. See Allow calls from emergency contacts when notifications are silenced, below."

As mentioned above you'll want to check to see if the contacts ringing are set to emergency contacts. If so, there's also helpful information and settings to check with the article here: Set up a Focus on iPhone - Apple Support

Should the issue remain and your iOS is fully up to date, reach out to Apple Support directly to further assist. Get Support

Take Care!