A file will be called "file," in the Explorer Type column, when there is no extension (the .xxx part of the name).
My guess is that when you are naming your pictures (whether .bmp or .jpg) that there is no ".bmp" or ".jpg" attached to the filename.
I know of ways to make many applications to not attach a filename extension (that .xxx part) to it, but it isn't typical, and you have to go out of your way to do it. I can't guess as to why it should be happening to you.
By the way, get IrfanView and when you open any of these misnamed files (either missing extensions, or no extensions at all) IrfanView will tell you of the inconsistency, and ask if you want it to correct it for you.
When you get IrfanView open ou can either use the usual "File>Open" commands to locate the files you want IrfanView to attempt to open,
you could just drag any of your graphic files right into the open IrfanView window. Pretty simple.
I'm sure this is going to sound stupid, but that's okay. I searched all over and I can't find an answer. I can save images fine, or so it would seem. I go to save as and I can pick jpg or bmp, which is fine. But when I try to access the picture for use, windows can't open it because it just called 'file'. What is causing this? It's driving me crazy. If someone knows, please help. Thanks