H&R Block preparer Melanie Jayne Johnson, 36, has been charged with fraud, accused of using two clients’ personal information to process loans against their federal income tax refunds, authorities said in published reports. Authorities reportedly claimed she used the names, addresses, birth dates and SSNs of the clients to process the loans of $900 and $982 and apply them to debit cards issued by Block. Johnson has been reportedly been charged with two counts of criminal use of personal information and released from jail after posting $4,000 bail. If convicted, she faces a minimum of two years on each count. Reports said her employment status was unclear.