Suraj Kumar, a Cyber Security student, has raised a complaint against Canara Bank after receiving an SMS that his Digital Rupee wallet was credited with ₹53,240 subsidy. However, his wallet balance shows ₹0.00, with no help from customer care or branch staff. Read full details, consumer Q&A, and learn how Choice4Voice.com helps consumers highlight such cases.
Complaint Summary : Canara Bank Complaint by Suraj Kumar – Digital Rupee Subsidy of ₹53,240 Missing Despite SMS Confirmation
| Field | Details |
|---|---|
| Complainant Name | Suraj Kumar |
| Company Name | Canara Bank |
| Complaint Against | Non-reflection of subsidy in Digital Rupee wallet |
| Subsidy Amount | ₹53,240 |
| Wallet Balance Shown | ₹0.00 |
| Loan Status | Loan already closed |
| Loan Account Number | 3202651000016 |
| Incident Date | August 2025 |
| Location | India |
| Main Issues | SMS received but wallet not updated, no customer care support, no branch resolution |
| Complaint Posted On | |
| Original Post URL | (LinkedIn Post URL) |
Full Complaint Write-up
Suraj Kumar, a Cyber Security student aspiring to build a career in cybersecurity, network security, and penetration testing, shared his frustration over Canara Bank’s Digital Rupee service.
He received an official SMS notification stating that his Digital Rupee wallet was loaded with a subsidy amount of ₹53,240. However, when he checked his wallet balance, it still showed ₹0.00, with no credit transaction appearing in the history.
Despite multiple follow-ups:
- Customer care calls were made, but representatives could not provide a solution.
- He visited the branch personally, but staff could not explain where the subsidy amount had gone.
- The loan account linked to this subsidy (No. 3202651000016) was already closed, which raised further confusion.
Key Issues Highlighted by the Complainant
- Discrepancy between SMS confirmation and actual wallet balance.
- No transaction record for the subsidy.
- Customer support failures at both branch and helpline level.
- The loan is already closed, yet subsidy tracking was not properly handled.
- Frustration and loss of trust in the bank’s digital systems.
Why This Case Matters
This complaint exposes critical concerns in digital banking reliability and consumer protection.
- Subsidy payments are essential for consumers, and such discrepancies create financial distress.
- When official communication confirms credit but the system does not reflect it, it raises doubts about technical integrity and transparency.
- The lack of timely resolution highlights the gap between digital promise and ground-level support in banks.
Consumer Questions & Answers
Q1. Who filed the complaint?
The complaint was filed by Suraj Kumar, a Cyber Security student in India.
Q2. Which bank is the complaint against?
Canara Bank.
Q3. What is the subsidy amount in question?
₹53,240.
Q4. How did Suraj come to know about the subsidy credit?
Through an SMS notification sent by Canara Bank.
Q5. Did the Digital Rupee wallet show the credited amount?
No, it showed a balance of ₹0.00.
Q6. Was any transaction recorded in the wallet history?
No, the transaction was missing completely.
Q7. What is the loan account number linked to this case?
3202651000016.
Q8. What is the status of the loan account?
It is already closed.
Q9. Why is this detail important?
Because if the loan is closed, subsidy disbursement tracking becomes even more complex, and clear records are essential.
Q10. Did Suraj contact Canara Bank customer care?
Yes, but they provided no satisfactory resolution.
Q11. Did he visit the branch for help?
Yes, but the staff could not provide a solution either.
Q12. What was the complainant’s main frustration?
That despite receiving the SMS, the money was not visible or usable, and no one from Canara Bank could explain why.
Q13. Does this case highlight technical issues in digital banking?
Yes, it suggests serious technical or backend failures in the Digital Rupee platform.
Q14. Could this be a miscommunication error?
Possibly, but SMS confirmations are official and should reflect real-time updates.
Q15. What should have been Canara Bank’s immediate action?
To investigate, trace the transaction, and credit the subsidy immediately.
Q16. Is subsidy credit failure a common issue?
Yes, such cases have been reported across multiple banks, making it a systemic concern.
Q17. Does this affect consumer trust in Digital Rupee wallets?
Yes, because customers rely on digital platforms for security and accuracy.
Q18. What consumer rights are being ignored here?
The right to transparency, timely redressal, and proper grievance handling.
Q19. Could this be escalated beyond the bank?
Yes, to the RBI Ombudsman or the Banking Ombudsman Scheme for grievance redressal.
Q20. What lessons can customers learn?
Always cross-check official SMS with actual balances, and document all communications for escalation.
Q21. How long has this issue been ongoing?
Since August 2025 when the SMS was received.
Q22. Did Suraj share this issue publicly?
Yes, he posted it on LinkedIn to seek attention and support.
Q23. What larger concern does this highlight?
That subsidy distribution through digital platforms may not be fully reliable or transparent.
Q24. What role does the branch have in this matter?
Branches should provide clear guidance and escalation channels, which did not happen here.
Q25. What does this say about Canara Bank’s grievance redressal system?
It reflects gaps in accountability and responsiveness.
Q26. What financial impact does this have on the customer?
He is deprived of ₹53,240, a significant amount, without clarity on its whereabouts.
Q27. Could there be regulatory violations?
Yes, if subsidy disbursements are not being tracked properly, it could violate RBI’s consumer protection norms.
Q28. What action does Suraj expect?
Immediate credit of the missing subsidy and an official explanation.
Q29. How can Canara Bank prevent such cases?
By strengthening technical checks, real-time updates, and proactive customer service.
Q30. What should other consumers do if they face similar issues?
- Raise the complaint with the bank.
- Keep written proof like SMS and screenshots.
- Escalate to RBI Ombudsman if unresolved.
- Report on consumer platforms like Choice4Voice.com to gain visibility.
Choice4Voice.com – Giving Consumers a Stronger Voice
At Choice4Voice.com, we believe consumers should never be left helpless when facing banking failures, frauds, or poor services. Suraj Kumar’s case is one example of how banks must be held accountable for transparency in subsidy disbursements and digital transactions.
Our platform is a non-profit consumer advocacy initiative that ensures:
- Genuine complaints are highlighted publicly.
- Companies face public pressure to resolve issues.
- Consumers get a platform to share their stories and demand fair treatment.
If you are facing a similar issue with Canara Bank or any other company, you can submit your complaint here. We will review your case, publish it on our platform, and ensure it reaches the right stakeholders for resolution.
