Anna "Chickadee" Cardwell is accusing her mother Mama June of stealing all the money she made from their reality show ... telling Dr. Phil she's been left almost penniless.
Chickadee says Mama June handled all her accounts because she was underage. She claims her savings account was whittled down to $17.89 ... and her trust fund plummeted from $30,000 to $15,400.
She lawyered up and demanded her money back.
Mama June claims she sent Anna a cashier's check ... but Chickadee says, it's the oldest line in the book ... the check's in the mail.
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