My boyfriend (who is an avid bit torrent downloader) has moved in with me about a month ago, the problem started about 2 weeks ago. He has these downloads running 24 hours a day and I'm most certain that's taking up a lot of bandwidth. Recently I have only used internet for checking bank accounts, to access my college website and paying bills.
THIS = RECIPE FOR DISASTER
I'd kick that Bit Torrent junk off that system that is used for banking, perform a full scan with antivirus as well as from Malwarebytes for malicious code. Change all passwords. Check statements thoroughly to make sure no money is missing, such as small amounts in frequent intervals etc. Whoever's name the ISP connection is licensed to could go to jail if the FBI tracks the illegal downloads if the bit torrent which by nature have been used usually to steal stuff is picked up on their radar.
Hackers love routers with default passwords. Had this router been set up with a password other than the default. If its still set to default password to admin it. Check the flash version out. If old version perform flash update and change password, if newest version change password. If flash version does not match any prior version by the manufacturer, your router could have been hacked and flashed remotely with an evil flash which passes information out to hacker(s) to track you and sniff out passwords, account numbers etc. If anything seems strange with router, throw it away and get a new one. They are cheap these days to replace. If replacing change default password for admin of device soon after installing.
He could be saturating the bandwidth to where none is left for you. Tell him to download that junk someplace else like a wifi hotspot if he must do so, so if he gets caught they only throw him in prison vs you too, tracking traffic back to laptop at a coffee shop etc vs smashing your door in and raiding all your posessions and turning your life upside down