Kelley formerly owned and operated four H & R Block stores located in the Virginia Eastern Shore towns off Belle Haven, Onley, Melfa, and Cheriton on Virginia's Eastern Shore. Utilizing about 20 clients' names and forged signatures on account paperwork, Kelley obtained lines of credit from H &R Block Bank. She then used the credit lines to make thousands of dollars of purchases and ATM withdrawals before later repaying the money.

H&R Block issued a statement that it had terminated the relationship with Kelley. Clients were also not liable for the debt incurred by Kelly and Block worked with them to resolve the issues.