Ryan Lochte's a Professional Thief Magnet

Rio's the least of Ryan Lochte's legal issues because he says he's also fallen victim to a bunch of crooks right here in the U.S.A. -- chronically, in fact, and it's cost him more than $100k.

TMZ has learned Lochte told cops his car was broken into in a Charlotte parking lot back in January. Law enforcement tells us Ryan said the thieves jacked his iPod, swimsuit, swimcap, goggles and a Team USA backpack. Total loss ... $1,000. Ryan also admitted he left his car unlocked.

Lochte's luck was even worse when he lived in Gainesville, FL -- check out all the police reports for alleged stolen goods:

- May 2009: Ryan's Suzuki GSX-R750 motorcycle. $8k lost.

- Dec 2009: Home burglary of Louis Vuitton bags, watches (Rolex, Jacob & Co., Breitling), jewelry, TVs and other electronics. Cops say the house was unlocked. $123k lost.

- July 2010: ANOTHER motorcycle lifted from his house. $14k lost.

- March 2011: Cops bust 2 guys attempting to steal wheels off his Chevy Tahoe.

According to law enforcement -- except for the tires -- none of the items were ever recovered.