Chaos reigns in Los Angeles when three criminals, led by a psychotic mastermind named McMasters, takes over a police station and threaten to kill everyone in it unless a large ransom is paid. FBI special agent Roger Kinkaid uses his extensive knowledge in a bid to outwit the criminals and save the hostages, but one question remains: even if they get their money, how can they possibly escape?
In order to cheer up recently divorced Chloe, her friend, Sam gives her a giant teddy bear, Bearry. As Chloe confides her wishes to Bearry, people close to her go missing or die. Is Chloe a murderer, is it her stalker? or is it Bearry?