DEAR HARRY: In a recent visit to my bank, I was told by a teller that I was eligible for a credit card specially designed for college students. I asked the bank officer in charge to mail me the info. I got nothing. However, the bank's website showed that I had $3,000 available. I thought this was in my regular checking account, but I sure was wrong. I used about $200 of this "available balance," and then it hit me. They had opened a charge card with a $3,000 credit limit, without authorization. They later informed me that they were going to use it as "overdraft protection." I later got a credit card, also without authorization. I went into the bank irate and insisted that they reverse everything. They did, and I paid the overdraft charges. If I had not raised hell, I might have used the whole $3,000 available and still be in hock. How can we stop banks from entering unauthorized items in our accounts and records?