EMC, I know we all "know" not to store passwords (IE gmail, FTP, stars, neteller), but do you recall if these are stored/saved?
If not and you don't think any roomates/friends have your login info, you most likely have a keylogger and/or trojan infecting you.
Actually, now that I think about it this is almost certainly a keylogger as they know 'all' of your passwords (gmail ftp stars).
download and run Spybot search & destroy and Lavasoft ad-aware, you can get both free at
www.download.com
I would call full tilt 1800 got-tilt to see if there is any way they can help.
Good luck with everything.