wouldn't specify exactly how many jobs would be cut. they said it wase limiting 30% of its staff. (?) tesla down 14% year to date. >> see you back here tomorrow. gerri willis is here now. gerri: hello, everybody. i'm gerri willis, this is the willis report. turbo tax under federal investigation over fraud. we'll have the -- the whistle-blower who says they knew that they were stealing tax refunds, but did nothing about it. >> when you have that information flying around, it will be stolen. >> the big three credit reporting agencies announced a major overhaul. we'll go through the changes and how they affect your credit report. gas prices surged 20% over the past few weeks. >> nice to fill the tank and not pay a ton of money. >> will they shoot back up as quickly as they came down. apple's first consumer product in four years.

the apple watch makes its debut. >> the apple watch is the most personal device we've ever created. >> we'll go through the features the functions and the price. all that and more coming up on the willis report where consumers are our business. and tonight stunning allegations against into intute. the maker of turbo tax. two whistle-blowers claim that they knew criminals used their tax software to file fraudulent returns. the company is making money off the fraud. intuit denies the allegations. one of the whistle-blowers joins me now. shane. he used to work at intuit. also joining me is adam. welcome to you both. >> thank you. >> shane, these

allegations are surprising, astonishing. tell us who is to blame for people have their refunds stolen when they use intuit software. >> ultimately, the hackers are to blame. but intuit and other industry leaders are to blame. intuit knew that fraud was happening and they deliberately rolled back the protections, rolled back the alerting of the irs so more fraudulent returns could get through. additionally returns that made it through but then the nonpayment after refund transfer was rejected by the irs or sent back by the irs. they didn't pay it in full. intuit writes that off as bad debt. >> let me interrupt you for a minute. this is a complicated story. we'll break it down for our viewers. i want to play sound that comes from a conference call with one of the executives at

intuit. let's hear that sound now. >> they'll choose whatever they choose. while we're all trying to solve the uber problem of having them be extremely good as noticing a fraudulent return no matter where it comes from, we want the irs to be good enough to notice the abstract patterns and shut it down at the source. not based on whether any one particular vendor has built a better mousetrap than the other. >> adam, to you. you look at this all the time. the irs, of course, is in charge of making sure that tax returns are true. >> right. gerri: and intuit says it's not our job to monitor this. what's your response? >> i think it's everybody's job. every time people don't secure identifying information for people, any time that any corporation is really part of a problem, whether it created it or not we're in this together.

without collaboration cooperation, communication, without sharing threat assessment information we're never going to get a handle on this. and one last thing, because of sequestration, the irs has been cut back, which forced it to cut back on their enforcement -- >> that's their excuse. let me bring you back in here. share some numbers you shared with the willis report. what you see in this chart is an incredible boom in what's called multifiler customer growth. that's the suspicious filers out there. that you see grow over time. why did that happen to turbo tax? is it because they're the biggest guy on the block, or were they doing something that corded that business? >> sure. if you listen to that tape. you'll here the director of the company talk about how they had crack

down on fraud. they saw their revenue drop. the amount of tax fraud reported to the irs did not go down. so they said well, you know all we did was the tax went somewhere else. the tax fraud went somewhere else. the reality is, they did have the ability to cut back on fraud. in fact, they did. they saw the fraud go elsewhere. they rolled back the alerting of the irs. and they've literally rolled back the protections, the things that were shutting fraud down. they literally say in that tape that fraud fell off a cliff. i mean, it can't be any clearer than that. if they had stopped the fraud, then allowed it again, to me, makes them accessories before the fact. gerri: that's something we'll have to wait and see. there's a lot of interest in this story. i have to tell you, a lot of people are investigating this. i'll show you some numbers that will be instructive. turbo tax is huge. 29 million customers. this is the big kahuna. the proportion of

suspicious customers. look at this. who successfully filed tax returns. in 2010, 900,000. jumps to 2.9 million in 2012. what does that tell you adam? >> well that tells me that the filtering systems aren't filtering. and that as was said, that when they see suspicious activity and they see, for instance multiple people using the same social security number, i mean, what does someone have to do? run a billboard in front of you to get you to do something about it. >> are you telling me it should be easy to see? >> it should be easier to see than apparently it is. and, you know there's no excuse for this, that we all have to toughen up tighten up, states the irs the tax preparers and the self-tax preparation agencies like turbo tax. >> so shane, intuit had a statement. they gave us about your allegations. allegations from former employees are without merit, they say, with

inaccuracies and rely on a complete misunderstanding of intuit's business. shane, do they have a right? >> listen that graph you showed earlier was from a planning document that went up to the ceo. they not only knew how much fraud had happened in the past, if you compare those numbers in the chart to the report to the fcc the numbers align perfectly. in that final bar of the chart, they actually were saying how much fraud they were going to cook in. they were saying one to one and a half million highly suspicious filings. when we say highly suspicious it's fraud. they were breaking this into the numbers. >> so you say they're baking it into those numbers. that goes to your allegation essentially that this is something they're banking on. they're counting on as revenues. we'll have to leave it there. i have one more question for adam. a question i absolutely have to ask. americans are filing their taxes right now.

they don't want to lose money. they don't want to lose that refund. what's your advice? >> well you need to file early. and you need to make sure that when you use these tax preparation services you use long and strong alpha numeric passwords that can't be deciphered. -- financial services and tax. tax should be very very special. and also don't save any tax preparation on your computer. put it on an encrypted thumb drive. when you finish using whatever don't keep it on your computer because your computer could get hack. >> good gracious. >> or better yet file by paper. >> that's another answer. thank you for coming on the show. always good to have you here. now we want to know what you think. here's our question, do you trust turbo tax? log on to gerriwillis.com. vote. i'll share the results at the end of tonight's show. also hurting america's

wallets tonight rising gas prices. what happened? up 28% according to gasbuddy.com. the national average over $2. will drivers get a reprieve. greg, welcome back to the show. this is 28% rapid climb. where is it going next? >> gerri what we're seeing right now is the retail prices reflecting the prices we saw in the wholesale prices during the month of february. in the upcoming weeks we'll see these prices continue to climb. it will be at a much slower pace than what we've seen in the last couple of weeks. >> you know, i look at some of the things that people are talking about. we've had a strike obviously. that's going on. that might be pushing prices higher. what are the other issues that are making these prices go up. we're pumping up more than ever before. >> well that's true.

we have a tremendous supply but at the same time that oil all has to be processed and refined into gasoline. and that's the difficult thing right now because at this time of year the refineries are challenged by making the transition out of winter blend and into summer blend in between those two processes, many of them are scheduling the maintenance that has to be done. that's causing pushback. we're seeing refinery output diminish by a few percentage points each week. their output is going lower. that's part of what's pushing wholesale prices higher. >> well, it's interesting. but from what i hear, we're running out of physical room for all the oil that we've produced. and it's a situation where we're actually producing more barrels per day than we're actually consuming. so ultimately, there will be some kind of

plunge plummet into oil prices. for example citi bank analyst said he's looking for 20-dollar a barrel oil. do you agree? >> we agree there's a lot more downward pressure on crude oil prices than upward pressure. i would be hesitant to say that we'll see crude plunge to $20 a barrel. i think we'll certainly see it move lower. i don't want to quantify it by something as drastic at $20 a barrel. a lot of times you'll see many of these firms come out with really exorbitant figures either to the high side or the the low side. and both of them are generally wrong. >> you make a good point. lots of pressures right now for prices to move higher. how much higher? what are you looking at specifically price per gallon for gas? >> we're expecting them to peak in late april early may in a range

between 2.55 and 2.80 a gallon. that will be much lower than we saw a year ago. >> that is good news. greg, appreciate your time. >> my pleasure, gerri. gerri: we have a fox business alert now. shares of lumber liquidators, the company we've been talking about for a week getting hammered. down around 16% after consumer product safety commission announced it's looking into the reports its products are unsafe. the network cbs reporting the agency is looking for results of recent tests performed on the company's flooring. "60 minutes" first broke the story of lumber liquidators, using chinese made flooring with high levels of formaldehyde. stock down 57% since that report. also not helping the company. reports of a second class-action lawsuit being filed in california. still, a lot more to come this hour. including the latest on another upcoming government shutdown. a victory for consumers. three of the largest

credit agencies agree to change the way they handle records. the latest. let us know what you think. tweet me or send us an email. we'll be right back.

♪ >> major changes are coming that could help your credit score. today, the three big credit reporting agencies. equifax experian, and transunion have agreed to join forces to change the way they handle errors and customer disputes. with more on this, the president of consumer education at credit sesame.com. welcome back to the show. (?) so we all know these reports have tons in errors. one in five consumers out there will find some kind of error in one of the reports that's been made on them. how does today's agreement affect that? >> it is significant. and i'm not prone to exarnlings.

exaggeration. it normally takes an active congress to get them to make these changes to these practices. usually you have to amend the fair credit act to change their actions. this settlement with the new york's attorney general's office will change how they handle medical related collections and how they handle the dispute process when consumers have documents that support their end of the argument. >> let's break that down one by one. let's talk about medical debt. the number one thing that pushes people into bankruptcy. 52% of the debt is from medical bills. what will this do? >> this is a huge win for consumers. we know the insurance process is horribly inefficient. forever for claims to get paid. doctors who don't get paid outsource their -- that stinks.

what this agreement will do, the credit agencies will essentially implement a six-month grace period where they won't accept any medical collections. it gives the insurance company and the doctors office and the consumer time to work out this whole insurance claim process and hopefully avoid the credit reporting of medical collections. gerri: good news for people. let's talk about number two. if i have a dispute, how will it be resolved differently now? >> okay. normally in today's world if i were to send a dispute to the credit agencies with documentation, ironclad documentation showing that i'm right, that document is worth nothing. in the new world postsettlement, the credit reporting agencies if they get these items back -- they will have to assign an agent who is empowered to review my document and can unilaterally make a decision on their own without the bank or the collections input and either delete the item or modify the item

per my request. >> previous what would happen, basically the credit reporting agency would ask the bank or the lender hey, is this dispute right? >> they would say no, then it would go nowhere. >> that's where it would end. gerri: now it's another level of due diligence. it's in the favor of the consumers. 8 million people in 2011 disputed their credit reports. this is a big deal to folks out there. before you go, anything you would advise people to understand or know about this particular agreement? there are so many details here. >> oh, the agreement is 45 pages long. and so there's a lot more to it. here's the takeaway. and i'll sound like a broken record. a lot of the new rights that we have as consumers will not take effect until you do one specific thing claim your credit report and file a dispute with the credit bureaus. you'll trigger all these new practices that will take place over the next six months to three years. but it's absolutely a

sea change for the better for consumers. they will avoid medical collections. (?) >> john, thank you. thank you. >> you bet. thanks for having me. >> and later in the show a look at a new plan by charles schwab involving your money. it's deja vu all over again. we're days away from from a government shutdown unless congress acts. we'll have the details. ♪

>> the concongressional budget office releasing the latest numbers on government spending. the federal government will add more than 7 trillion to the national debt. 7.5 trillion actually over the next ten years. medicare, medicaid big factors. also, obamacare. with us now to break it

down fred barnes executive director for the weekly standard. and fox news contributor. fred, wangling back. i'm lookingwfnlg back.the national debt has exploded under obama. 7.5 trillion. it was 10.6. 18.1 trillion now. in what world is this acceptable? in what world, you go to congress, we need more of this. lift that debt ceiling. >> and they will win the debt ceiling increase for sure. as mitch mcconnell said just yesterday, therely not be a shutdown. i know he's a believer that republicans are always hurt when there's a shutdown. going back to 1995, they've always suffered. he knows how to keep unfrom happening. >> fred how do we stop this? this is ridiculous. by the time obama leaves office if the accumulation continues at this rate, he will

have doubled debt under his watch. doubled it. we can't continue this. >> well what you don't do is two things. one, you don't begin huge new entitlement programs which are the most difficult thing to slow the spending on. two you reform the entitlement programs we have now. whether it's medicare, social security, or the medicare drug prescription program. any of those. you have to reform them. well unfortunately, you have one party in congress the democrats who want to increase the benefits under those programs rather than reform the programs at all. so when you have an impasse like that, the spending continues to soar. >> what's interesting when you dig into these cbo numbers, it's not just medicare and medicaid pushing this higher. it's also student loans. the president initiating a massive program to forgive student debt. clearly this will only get worse. what do you make of that? >> when i was in college, i got student loans.

i got them from a bank. and banks do one thing gerri when you owe them money. they make you pay them back. instead, obama is free because it's not his money. and he can say oh, you don't have to pay this back. it's just the taxpayers. they don't see it happening directly to them. because your taxes don't go up immediately because someone is not paying back a student loan. i think when the government took over the student loan program, it was inevitable that this would happen. the cost of it would soar, there would be forgiveness of loans. gerri: you know, the dems -- the democrats always want to folks on the deficit. oh let's talk about the deficit. that's really important. but isn't it the overall national debt, the debt that our kids will pay the debt our grandkids will pay isn't that far more important? >> it's much more important. i remember milton friedman used to talk about it. it didn't make any difference where the money was coming from. how much you borrowed or whatever. it's how much you spent. how much of the money that was spent was taken

out of the private economy. the more you took out, the worse it was for the economy. and of course you'd have to have higher taxes to pay for it if the government is using the money. and the money wouldn't have the same impact that it would if it were in the private sector. >> capital one doesn't care if i charged anything this month. they care about the total bill and interest. >> indeed. >> very good to see you. thank you for coming on. a programming note for you now tonight on two all-new episodes of "strange inheritance," the great, great grandson of george picket is swindled out of his inheritance. >> he kept asking when can i see the artifacts. >> that old cap was worn by general pickett at gettysburg. there's his sleeve. personal letters photos. his military sash and this picket's own hand drawn map of the

gettysburg field. >> he was delighted. like a gold mine. >> very cool. 9:30 p.m. eastern time. a story of a real estate developer who fills his home with quirky furniture. that once obscure furniture maker is a world-renowned artist. it airs at 9:00 p.m. on fox business network. coming up, apple jumping back into the new product game with its new apple watch. we'll have the details. we're looking out for you and your money with a look at a new move from charles schwab. roboadvisors. we'll explain after the break. ♪ so kickstart designs low cost irrigation pumps

enabling them to grow high value crops throughout the year so you can make a lot of money. it's all very well to have a whole lot of small innovations but unless we can scale it up enough to where we are talking about millions of farmers, we're not going to solve their biggest challenge. this is precisely where the kind of finance that citi is giving us is enabling us to scale up on a much more rapid pace. when we talk to the farmers and ask them what's the most important thing. first of all they say we can feed our families. secondly, we can send our children to school. it's really that first step that allows them to get out of poverty and most importantly have money left over to plan for the future they want.

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other stories. the gold market turns six shares sold today as stocks are rising after a big sell-off last week as investors worry about higher interest rates. now corinthian colleges are d-listed. it has been struggling since the government cut funding and filing reports with sec. with those that were on strike against the college for refusing to pay student loans. mcdonald reports global sales declined last month changes are on the way to turn around the business. another passenger train crashed the amtrak collided with a truck in north carolina pershare of says there are several injuries but none are life threatening witnesses say the truck was stuck in the process with the bars came

down the driver managed to escape the vehicle. the people use computers to generate stock buying advice have been gaining in popularity as more affordable investment advice rises within five years of over 255 billion now charles schwab is of the bandwagon here with more we have taurine. thanks for coming on the show. i think schwab is the home of well motivated people who once said this -- discount brokerage but this is different. >> is a great opportunity for us to expand to a huge population for those who think there's too much friction in the system for kobe can take that out.

gerri: what does that mean? >> time and costs and paperwork and we take that out it will take a few minutes to get into a well diversified portfolio meet to win all for no management fee or advisory fee or commission. gerri: what you said to be directly is to pay underlying expenses. what do you mean? >> the underlying expense ratio of the etf to the manufacturer the matter where you held it so that is the only cost to pay with this product. gerri: what will i get if i use the service? their young in looking for guidance what will they get? to make great value a sophisticated portfolio of 20 asset class's, the

backing of the company that has been advocating for clients over 40 years in the safety of a firm with the over to a trillion dollars of assets because often the computer is not enough you want to talk to somebody and then we have 300 branches across the country. gerri: you are very enthusiastic. i have talked to a lot of people but they mention what you talked about that some folks especially when the market turned to they needed to talk to a human being so how is it the you have advisers available for those clients? >> we have dedicated teams and thousands of representatives all over the country for those who need advice. it is degraded vintage to be schwab -- a great advantage

to be schwab. gerri: a lot of companies are doing it cheap. if you start investing it is a great way to start. >> is. the account minimum is only $5,000. gerri: however sure service different? >> there is no management fees, no commissions or charges. is a sophisticated portfolio of 20 class's it is our country and our people. gerri: thanks for coming onto the show. when we come back what to say to your adult kids if they ask you for money. a big announcement from apple a waiting day apple watch. stay with us.

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gerri: after months of she is finally here praetors star ryne april 10th. what was new today? >> after months of anticipation we found out when the apple watch will be available. you can pre-order starting april 10th. it will be available in stores april 24th. the gold won will start at $10,000. segments -- stayed in the steel at 549. gerri: what can the watch do? the image most of what the dash can do but also added tracking to collect half of those in reply to a text

messages apple pay and the key thing is that your phone needs to be dear by for the device to working and judy to charge it every night because the battery life is only 18 hours. gerri: really catch on? to make anywhere between 10 and 50 million devices sold the sheer i think it will take to three years before you see everyone walking around talking into their watch like inspector gadget but those who view would as a status symbol will buy these now. gerri: thanks for coming on the show. so now let's bring in peeked from mashable. is the added gizmo is that worth the price? >> first of all, i don't think we will see people talking to their wrist.

i don't think that is what people want to do. but the apple watch itself is interesting way only have the initial price starting at 340 died while we have heard is the regular watch now starts at 550. the sport one goes a little over but up to $1,050 or 1100 for the larger size. that is more the of the eye patch. gerri: have space spent the money now it adds up. so what are the features that you think is attractive? >> it has always been that apps. with that willingness for developers to you develop it is always much greater so if that experience so i just

call for a car into my wrist and it is there. if that isn't good for value-added experience than i could see this having appeal. but on the surface it is an extension for notifications on your phone. a lot of things to that already. gerri: check your calendar, access boarding passes can i do that on my iphone anyway? >> yes her wrote -- yes. putting an odd your phone or your laptop but transporting to the watch is the incremental level of convenience. i can see apple pay i can't just wave though watch but do you really want to pay $700 for something that

saves the trouble coming out of your pocket? >> is apple and they will sell a ton on as many as analysts are predicting. gerri: is there upgrades every 20 minutes? >> yes. you'll probably have to buy a new one every couple of years. then space have the same experience but this is a very big question because that is the temp thousand dollar investment with the solid gold piece of jewelry but then you have to upgrade? that is a weird thing to go absentee into years. gerri: there is a lot riding on this. >> if you look today they

talked about hbo and also pulled out the laptop they could have made it all about the watch they could have done a different things but they sit here is the bunch and though watching is there also but let's temper expectations riding that is what it was about. gerri: a lot of pressure to come out with a new category. talk about this more watch industry 6.8 million smart watches were shifted consumers bought 720 device is part of the average price is 189? >> is astronomical and i have that watch right now. i'd like it. also the ground bass that is pretty neat but what you

just read that statistic is not a lot for technology. gerri: do i have to talk to wit? how does the work? >> the apple watch you can. but that is why you need esparto receive because you have to type sometimes it cannot have a keyboard on a watch. you will always need to talk in your phone must be present almost all the time for it to work. they also have standalone music players even without the gps to you have to phone with you all the time for it to do what it means to do. gerri: bluetooth you.

up next how you do that? we have advice for parents on how to talk to their adult kids who want many. get fast-acting, long-lasting relief from heartburn with it neutralizes stomach acid and is the only product

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gerri: is the bank of mom and dad still open and? more parents helping adult kids out but that generosity to put your retirement at risk. i see this all the time. how many parents are supporting their adult kids? mimicry search says 60% of

all adults parents are hoping adult children and anywhere from the basics from the selfie of. >> one of five millenials pay home but don't pay rent or expenses now there is a lot of time we could blame this on the recession with the economy was bad but what about now? vivid there is always bad things happening. the baby boomers didn't have it easy. beat did it and want to have it easier than i do and by easier somehow that designer clothes to live in the elevator door in in the apartment. >> they don't have enough money to begin with and it's

only money you can take it with you. the problem with retirees is once you are retired if you have market loss it is the same thing if you don't have the time to make it up. gerri: why is it so hard to say no? >> part of it is psychological. the generation before parents working two jobs but today god forbid you miss the play and then forget about a. but the stakes are now so high watching with retirement funds they're still trying to rebuild and struggling with financial

institutions. >> there is not a lot of positive things for people who have lost money that our just recovering. but to now believe that money back out who eventually will make it. and then they have another 30 years to do that. >> give it vice off of the payroll tax. >> if you go cold turkey it could be damaging battelle then you give them a loan instead of a gift and then maybe they will think twice. also don't be so quick to save them right away. most whenever let them starve but do they have to eat at the rated restaurants or designer clothes? there is a point you said

enough is enough. >> is a fascinating conversation and it doesn't just art with there 80 the when they are nine and 10. >> even earlier than that. gerri: great to see you we want to hear from you to the claims surtax not doing enough to protect consumers. do you trust them? someone file tax is using my social security number with my federal refund. they target all of them. >> i have used them several years and never had a problem. >> this will be the last year for me i will be making changes. >> be sure to like fox

business on facebook. and also the mcdonald's struggle. >> i stopped over in one year ago and i have lost 50 pounds it dawned on me they convinced us it was food but i have no idea what was in a. >> i have not eat there at least one year when i did i would always ask myself why did i do that? send e-mail and we'll be back to the answer of the question of the day. stay with us. d prototyping, biotech to clean energy. whether your business is moving, expanding or just getting started... only new york offers you zero taxes for 10 years with startup ny business incubators that partner companies with universities, and venture capital funding for high growth industries. see how new york can grow your business and create jobs. visit ny.gov/business

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charles. >> we had an after-tax whistleblower are they doing enough to protect against fraud? look at the results 35 percent said yes for the 65 percent said no. log on for the on-line question every weekday.

being snubbed by the academy of "american sniper" breaking more records. the clint eastwood film is the highest grossing film of 2014 topping $337 million domestically and that tops box office titans the hunger games. also passing the $500 million mark world wide. finally the bull market turned six years old the s&p 500 up 200 6% since march 2009 attack in transports scented at 288% owned the the dow jones transport sector did better. the dial is the only laggard that is why those who decided to add the apple shares. blige for big swings particularly if you find out the apple watching is not what it is cracked up to be. thanks for joining us tonight making money with

charles payne comes up next. have a great night we will see you tomorrow. charles: i am charles pay your watching making money. we will talk about apple but my stock was mcdonald's even with horrendous same-store sales numbers but here is the thing a decline of 1.7% that was a strong dollar geographically they did not do too well but the stock ended higher. the nasdaq could have sold sold, including the fact if you take out the dollar the in