Final answer:
The statement about Grand Central Station having three levels is false; the station, correctly named Grand Central Terminal, has two main transit levels plus other utility levels.
Step-by-step explanation:
The statement 'Charley and his psychiatrist believe that Grand Central Station in New York has three levels' is false. Grand Central Terminal, often incorrectly referred to as Grand Central Station, indeed has multiple levels, but not exactly three levels as the main transit levels are concerned. There is the main concourse, the upper level with 42 tracks, and the lower level with 27 tracks.
Moreover, there's also a dining concourse one level below the main concourse. However, it's important to clarify that various utility and maintenance levels are not typically counted in the discussion of train or passenger levels. The specifics about these levels are commonly known facts about one of the world's most famous train terminals, which is a distinction relevant to the area of arts because Grand Central Terminal is a historic landmark and an architectural marvel.