My Mom Has Cards In My Name That I Didnt Approve Of

So basically i saw my mom using a capital one card that had my name on it and when i asked her about it she said she used my name to open a checking account and her name for a savings account. she said she put money into the checking account and had spent some of it too and it seems like everytime i ask her about it she makes it confusing on purpose but maybe im just not getting it.
today i found 2 new cards that were credit cards and one had my name and the other had hers on it. when i asked her about it she said it was because she put me down as an authorized user and they sent a card in my name because of it.
i just thought that you couldnt order credit or debit cards in someone elses name without them knowing? i am 18 but i think she ordered these cards before my birthday but the authorized user credit card was delivered after i was 18
if someone could maybe just explain and help me understand what exactly is going on and if my mom is doing something she isnt supposed to behind my back i would really appreciate it and sorry if this post doesnt make much sense im very confused with the situation
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