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Filled in saying, oh, this is just to reopen your savings account or reactivate your savings account. when the customer leaves they could put ten accounts on there and open it and the signature is there. even if the customer calls to complain, your sitting is there, mr. customer. >> reporter: at best, they were confused and halved. at worst, they were hit with overdraft fees and some saw their credit score suffer. how did you get the idea in your head if i don't go do this unethical thing i'm going to lose my job? what made you think that? >> they would just tell us that. it was verbalized. we...

That, and i think that's why the fbi is involved. i think the number one question that everybody wants answered is, did the upper management at phoenixen gauge in a criminal -- engage in a criminal conspiracy to defraud the government out of money by providing bogus numbers, and the other issue is were veterans harmed because of that. bill bill so they were trying to imthe numbers to look good and in exchange get money for it. >> that would be the potential crime. bill: what about those stuck on that witting list and verge hi -- waiting list and eventually died as a lack of attention by a phys...

Deposits to bank of america. this threw up a huge red flag with bank of america and went downhill from there. joining me now, joe, thanks for being here. >> thank you, megyn. >> megyn: so you need your dough and you're not getting it and you say that bank of america put a hold on the moneys, so you call up to say, why? why? what's happening? and what happened? >> well, what happened is that they said it was under review is what the words that they said. and they said that it would be released in about 48 hours. so, we waited 48 hours, called them back and said, hey, where is our money. and aga...

That's a nice graphic. good morning. >> good morning to you, bob. you know, so many people think oh, look at jack walsh, g.e., he was the world's greatest c.e.o. of the biggest company and yet, you look at your book and he's -- and you detail, he had some trouble when he was in charge of, i think, plastics. his team blew up the factory! >> they blew off the roof in pittsfield, massachusetts so then he got summoned to new york and he thought oh, i'm going to get fired. they brought him in and walked him through and said, ok, what did you do wrong? and they fixed that. and so they went back and ...