Indeed such problem exists and there is a note in README.Debian: Currently no checks if an iptables queue generated at the beginning (fail2ban-http and fail2ban-ssh) exists. So if your firewall resets the iptable rules -- it is your responsibility to restart fail2ban.
Upstream author decided to postpone an introduction of the check for the
chain, and the fact that it can be used without a chain
(adding/removing directly from INPUT) was suggested as a temporary
solution.
I leave the bug opened as a reminder for the TODO :-)
--
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