Noted. Another challenge is I have less 9 days to be in Canada for classes. I feel I quite off schedule. The program applied for runs September to september that is intake is yearly based.
I honestly can't make it in time considering I have to also get off work and do travelling arrangements.
How can I put this out to the VO in a polite way ... To just refuse visa so that I get fee refund and apply to a different institution with a spring intake?
This is the wrong approach. You need to address the concerns in the fairness letter and prove the bank statement is real.
IRCC is basically providing you with the opportunity to address this issue before they refuse your application and then most likely also make a finding of misrepresentation. If they make a misrepresentation finding - you'll be banned from Canada for 5 years.
Again, you need to address the concerns raised in the fairness letter and prove the bank statement isn't fake. This should be your priority if you want to study in Canada at some point in the future.