Being hacked for a year. Need advice on viruses & malware

Question

My ex-husband has been hacking my computers for about a year. I would like some advice on how to keep him off my computers. I can't keep him from hacking into AT&T's website, but I'd like to at least see if I can do something to get rid of him. A litle background. He is American but now lives in Bangalore, India. He is a brilliant man who lost his job and  had months to look for a job and learn how to cyber-stalk me to shreds. He also has a friend who designs websites and owns the server which housed my blog. His friend got things started.
My ex-husband, as a I said, is brilliant. He is also a sociopath. So, any indication from me to him that he's making me angry or upset in any way is tantamount to "begging for my life".  That's exactly what he wants. The only optioin I have is to deal with it on my own, as opposed to appealing to him to stop.
I regularly restore my computers (desktop, laptop, iPad, iPhone) to factory settings. I use iCloud for photos, calendar, address book, and music. Sharing is off. I'm sure my son's computer has stuff all over it. I no longer keep anything on my computers other than what's on iCloud. Any documents are created offline, saved to an external hard drive, and securley trashed afterward.
Here is a sampling of what he's done.
1. He can hack through any password. A friend, the head of Virginia Tech's IT department, told me that he must have purchased a password decorder, but I'm not so sure.
2. He can hack into any site. He regularly hacks into my iTuness account, AT&T, American Express, Comerica Bank, you name it. He used to change the passwords to everything at leave it at that, but things have gotten increasingly weird.
3. Now he doesn't bother to change the password. He hacks into things, and makes changes. I use my AMEX card or bank account to pay bills online. He changes the payment to a bogus one, so they don't get paid. He turns off notifications, so I don't know. I had my TV & inernet service turned off due to this. Now I know when my bills are due, and make sure things are okay.
4. He's phished me so I went to AT&T & American Express sites he created. He somehow was able to redirect me to a bogus career page for Restoration Hardware. I knew what I was supposed to see, so I used a friend's computer to get to the right page. He knew I was looking for a job there. He messed with my Flickr account, so they couldn't see my portfolio. I could see it, but a "regular" person would only see two weird photos.
5. I believe he's managed to hack into my gmail account & me.com accounts. @me is in the Cloud. I use 2-step verification and G@@gle authenticator.
6. I was working on my desktop, which logs out after 10 minutes. Ex-husband was angry with me at that moment (heard via my son). When I returned to log back in, I was locked out and had to restore my computer. My log in password was changed. I had just replied to an email sent to my @me account on that computer.
7. I left a document on my laptop because I ddin't care if he saw it. I prepared my computer to be restored and wanted to email the document to myself. I couldn't becasue there were all these other things attached to it. I wish I'd taken a screen shot of it. But there was a zip file, a jpeg and several other things.
Can anyone offer me any help? Now that I know there was junk attached to a document, does that mean my external hard drive is currupted by documents I've stored there? My passwords are looooong. I have a "best practices" system that I use. But still he manages to break through. Thoughts?
I use Mountain Lion 10.9.1

Answer 1

Thanks for replying. It's so nice to know someone is out there listening. I can't say I'm always immediately hacked. Things ebbed down for awhile and are now back up and running a bit. He have had a bad week at work. Or hates India. I just want to be left alone. Yet bad things are definitely being found on my computers. I hadn't thought of disconnecting everything from the Internet, but I have to have it turned on to install.
Question. If I'm resetting everything how can a keylogger stay onboard? I'm certain they were installed back when he had access to my computers (a desktop and laptop). I assumed these would disappear when I restored. Not true?
How can he download a keylogger over the Internet? I decided to restore after he hacked into Transunion's site. I didn't know what my password was. It wasn't written down. But he found a way on there. I'm sure I logged on from my laptop a month ago or so. Maybe he'd had it in his pocket, so to speak. But I wonder, since he's phished AMEX & AT&T, if he's become adept at hacking into their sites. ???  Way over my head.
Question 2: Today I was updating some Pages docs which I store on my USB memory stick. I keep the stick with me AT ALL TIMES. It's never in the house when I'm not there. Same with printed passwords - on a little crib sheet. I restored my laptop 2 days ago. So this was the first time I'd used the stick or any app (did install Firefox) since the restore. Suddenly there was a "restored files" in my trash. I checked inside the folder, still in the trash. There were lots of jpeg sort of colored squares. I didn't open anything, just threw over 100 things away securely. Is my USB stick infected? Clueless on this one. When I restored I didn't empty the "empty disk space".
Woe is me: When I reinstalled the operating system on my desktop today I was told some "additional" things were being downloaded. It's exhausting just trying to describe all this. Some things are perfectly normal. Others clearly aren't. I'm becoming more educated on the subject. But after a while I get confused. After all, it's a bit emotional.
I'm sure there are or were cameras and listening devices in my home. They were installed in our marital home before I moved out.  But my ex now lives in India. And I use my laptop all over the house when I reinstall. So I don't think cameras are it.
At first I thought he was breaking into my house to look at my printed passwords. You can break through a dead bolt - I looked it up on YouTube.  Easy step-by-step instructions for any future criminal! Who needs a real job these days? I should quit trying to do business online and take up burglary.
Final thought: Thank you so much for your ideas. I'd love to know about the keylogger situation. Meanwhile, it's well below freezing here. I'm freezing. I'm going to forget about this for the night, put 2 pairs of sweat pants on, my mittens, and pour myself a glass of wine. Truly, thank you so much.