Momentum Health saver benefit

Momentum changes its lifestyle program every year and in doing that can never get the systems to work properly. Point in case is the momentum health saver . Firstly it was owned by Momentum health and now by multiply. They changed to a new visa card system last year and it tool almost 3 months to use my savings accumulated. Then they changed the program this year 2025 and how you accumulated returns were also changed. Firstly, the multiply app was not updating my returns accordingly this was for 2 or so months. Not rectified and lost out on whatever returns my wife and I accumulated. Then on 1 May they did away with the visa card and went to scan to pay from the momentum app. It has now been over a month with numerous emails and calls and they have yet to figure out why the "scan to pay" tab does not show on the app. How can they make a change and now when there is a problem unable to rectify it? Surely the developers programmed this app. How can it take more than a month to sort out? Meanwhile the returns accumulate, and I am unable to use it? How can Momentum offer a benefit however unable to action it. Nobody seems to know what's going on. This is unacceptable and makes reason to cancel all the other products I have momentum.