[US] I Need to Understand wtf Just Happened (Chime Scam)

Let’s just preface this with I know I’m an idiot. I should have known better. ALL of my money was just stolen (over $1000) today at work when a man called me pretending to be from Chime. He said there’d been a suspicious transaction that they denied, (in my state but outside of my zip code) and they were calling me to help freeze my account/move my funds.

I’m an idiot. I know. I was extremely skeptical, but frazzled and scatterbrained from a hectic morning. After about 20 mins of going back and forth (he sounded extremely professional) he finally got me to click pay. Worst mistake of my life. He threw around so much financial and credit jargon, knew the last four digits of my card number, that by the end of it I was stressed tf out and caved.

He was saying something about ‘TCA’ and how it would be instantly available to me afterwards. He sounded so genuine and professional. I have no idea how these people live with themselves at that scale. I mean, ALL a person’s money? Christ. It’s literal evil. He hung up instantly after I hit pay. I know I’m an idiot. It took everything I had to make it through that work day. But that’s beside the point.

I’ve already disputed everything with Chime and the process is underway, but I’m here because I need to know wtf just happened. How did he know the last four digits of my card? Has anyone been scammed using the same process? I’m such a dumbass. Every nerve in my body told me not to do it but I simply couldn’t see an alternative. Now I know the alternative is to hang the fuck up on ANYONE who asks for money under ANY circumstances, ever. No matter how professional. I’m an idiot. Pls help