She said I was the only one who had been with her pocketbook and that she was always very careful with her bag. I overlooked her subtle accusation

A longtime neighbor and friend has accused me of stealing a ring. I had been providing her with transportation to visit her husband while he was in rehab recovering from a broken leg. I also took her on other errands.

Your neighbor may have interpreted your not responding to her messages as a sign of guilt. You can reiterate that you are innocent until the cows come home, because I’m guessing her mind was pretty much made up that you were guilty after she “subtly” accused you of taking the ring.