Nvm. After doing some digging I found the real issue.
captcha: null is just in the result (for no good reason) and is not processed in the validate method. That error looks exactly like mine (just in Dutch) which was resolved but fixing my SMTP settings.
This does not seem like expected behavior.
I have had a form for over a year working fine but now it is failing on captcha validation that is not on the page. Before I go an rip that code out is there a setting to resolve this issue.