What kind of account details and what password? If it is online banking then it wouldn't be MSPY as that product is for monitoring cell phones. If the account details and password are online account and passwords, then it would probably be some kind of spyware on your PC. Maybe a keylogger. But since you say you have reformatted your PC then it shouldn't be a problem anymore. But remember not to re-install anything your ex-roommate gave you. Or open any email from your ex-roommate. And the first thing you should do with your re-formatted PC is to get all Windows Updates. And also get all programs updated too. Because attacks rely on vulnerabilities which are removed by patching. Secunia PSI is a free program that inspects your installed programs and informs you when you are missing updates. It will also link you to the download.
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