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I work at a bank call center. One time I had someone call to check the balance on an account they recently opened with us. The bank I work for is regional, and this caller was on the other side of the country. The account number they gave pointed to an expensive private school in our area. When I asked for more information, the caller said they gave someone 500$ to open the account for them, and that person gave them some checks from us with that account number. I got my lead on the line, did some more Q&A, and we determined this person had been scammed, and given fake checks. The lead said they would close the account. The next week I get a direct message from the fraud investigation team director asking me why this account wasn't closed. I was able to provide a screenshot of the message from my lead saying they were going to close the account. They thanked me and that was it. I went to check on it, and over 60,000$ in fraudulent checks had cleared the account in that week. I've only been working there a few months, and I'm 60,000% sure they would have dropped me like a hot potato on the spot.
Is it normal for a call center rep or lead to close customer accounts? I'd assume that the fraud department would be the ones making that decision and handling issues raised. Anyway, I'm glad you had the receipts to prove it wasn't your fault.
Honestly, it's not typical, but neither was the rest of this situation. In cases where it's that clear there's fraud on the account, leads absolutely have the authority to either close or approve the closure of the account. I can't speak for all banks, but as far as I know, all leads at our centers have worked on the fraud teams, so they're very well versed in these matters.