Citibank — payment gateway issue

Address:

Ratlam, Madhya Pradesh, 457001

I was trying to book railway ticket online. After filling info and got deducted from the payment gateway of Citi bank through IRCTC. Now I am worried that I have lowest amount in my bank and not able to book another one.

In this case, I cant book tickets. Resolve the critical issue. Its medical emergency. I have been shoot a mail to railway department. They said might be failure of the gateway transaction from the bank.

Concern:
(1) If in a certain period it wont confirm and the tickets got sold out.
(2) If I am as Customer/Consumer not a responsible for the payment gateway failure.
(3) If railway department wont take action because they have been said it is coming from payment gateway.
(4) If a bank will tell the technical issue arise.

from all the above concerns will happen and noone will be going to understand and resolve the issue. What should I do

(1) Shall I go to the consumer court or
(2) Shall I file a petition against Railway department
(3) Shall I file a case against Citi Bank

Kindly suggest and tell me what is the best solution to solve this issue.

That available tickets which I have book but didnt get it. Its a big damage and I dont have enough amount in my account.

Responsible authority will be charged through a processed form.

Thanks

Regards,
Citizen of India