I’ve run across this problem before on a few other decks, not on a 1020 though I imagine it’s probably similar. In those cases it was an “E” ring (or circlip) on the shaft inside the motor that fell off (in one case it broke off) and allowed the motor shaft to move back and forth too far. There’s usually one at the front end and one at the back end, one of them probably came off and the motor shaft is floating.
Unfortunately the reel motor has to come out and get opened up to access it. Sometimes they put thread locker on the screws holding the motor sections together but usually it can be opened up depending on which type of thread lock they used (if any). If you take the reel motor out be very careful around the brake band, it can get bent and distorted very easily. When you are ready to remove the reel motor pull the brake solenoid plunger in by hand to release the brakes and slide the motor straight out, don’t tilt it or otherwise put any force on the brake band. Also when loosening the screws that hold the motor in place don’t let the weight of the motor rest on the brake band, support it before you remove the final screws.