Currently, there's no exception handling implemented for zammad-wp. This means when a Submit action fails in zammad-wp, users will not see any response unless they look at the Network request and notice the 500 HTTP server error code.
If there's an error in the HTMLForm hooks included in zammad-wp, an action/hook should be called or an error code returned in order for HTMLForms to handle the error gracefully and return the predefined error message included in the Form configuration.
https://htmlformsplugin.com/kb/custom-form-validation/
https://htmlformsplugin.com/kb/action-hooks/