Indian Railway Catering & Tourism Corporation [IRCTC] — irctc cut rupees from bank but not book ticket

Hello,
Sir i book my ticket on irctc online ticket app and i have full fill the ticket booking form and then we last step is payment method i done irctc cut my rupees but when i saw ticket was not book, then i call customer care irctc department and tell him all situation but he saying its not irctc fault its bank fault, then i ask him how could yousay it's bank fault because bank done his job but ticket notbook its irctc responsibility but he don't agree with me pls sir help and do action on irctc