Is Momentum Multiply perhaps the worst loyalty/rewards programme in SA???

Momentum Multiply is a Momentum Metropolitan Holdings 'so called' rewards programme, supposedly geared to reward and help their members/clients to live better, be healthier and then to receive certain cashbacks and discounts on certain products. The programme is founded on a points system linked to a certain status. The more points one receives, the higher is a member's status and the better are the rewards. To be a member, one must register on the programme, comply with the programme 'rules' and pay a monthly membership fee. Although I have been a fully paid up member for many years and having premier membership with the highest possible status of 'private club', the client service and support from Momentum Multiply has been atrocious!! Every year/new cycle, there are always some or other technical problems or disputes regarding the allocation of points and rewards. The frustration is so irritating, that I am considering cancelling my products with Momentum, which include life insurance, critical illness insurance; retirement insurance and my short term / home-car insurance. For months now I have been send from pillar to post, from communications via the App; via e-mails and even telephonically. Many promises are made, but to no avail. It seems that MM follows the approach that if they ignore issues, over time members will hopefully get fed up and give up. No one seems to take responsibility and follow-up communications are regularly with someone different and who is then unable to make decisions or resolve matters. I am regularly informed that a matter will be rectified, but then nothing happens and one starts from the bottom again. The only thing MM seems to be good at, it to take one's monthly membership fee! The question thus begs: is MM possibly the worst loyalty programme in SA?