Nina Thomas -- the estranged wife of Earl Thomas -- was hit with multiple criminal charges this week ... after prosecutors say she swindled the ex-Seattle Seahawks star out of millions of dollars.
Court documents, obtained by TMZ Sports, show feds allege Nina began her scheme to illegally take cash from her former lover in Sept. 2021 -- a short time after she filed for divorce from him in 2020.
Officials accuse Nina and another person -- whose name is redacted in the docs -- of taking money and property from Earl without his knowledge .