Temple of Sorrow (Book 1) by Carrie Summers

The first book in the Stonehaven League series, a novel by Carrie Summers (http://carriesummers.com/)

This is considered a LitRPG novel, so reading it feels like playing an multiplayer RPG game, I think.
The cover features the book's main character; Devon Walker, who gets into an MMO game within the story via sensory VR, so she really gets into it, like the Matrix!