<human>: Here is the back story,

I opened a credit card through my bank about a year ago. I kept my balance down and ended up getting my credit score up to 820.

The bank sent me an offer to upgrade my card and expand my credit limit. They sent me the new card, but did not transfer my old balance over to the new card. This was extremely confusing to me as the bank told me it was illegal to transfer my old card balance to the new card, which is the only reason I upgraded my card.

I called the bank to get the old card closed out, but they ended up closing my new account as well on accident. They told me I had to apply to re-open the new card. I reapplied, however the credit reporting company they use denied my request stating my balance was too high and had too many credit inquiries. They also said my credit score was 736, almost 100 points less than my previous score which got me the upgraded card.

Is there any way I can report this to the credit company as a bank error and clear up my score? If not, am I just stuck paying off the balance and hoping that raises my score back up?

Any advice is much appreciated.

Could you distill the essence of the text into 1-3 sentences?
<bot>: Bank issued me a new, upgraded credit card for having a great credit score. Bank accidentally closes new credit card account, credit reporting site denied my request to reopen.