3 On Your Side

Woman's account wiped out by 'cloned' card

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Sierra Gosnell said she nearly didn't pay her rent on time because somebody "cloned" her Visa card. (Source: 3TV) Sierra Gosnell said she nearly didn't pay her rent on time because somebody "cloned" her Visa card. (Source: 3TV)
Gosnell said she got a text message alert about suspicious activity on the card. (Source: 3TV) Gosnell said she got a text message alert about suspicious activity on the card. (Source: 3TV)
3 On Your Side told the card company Gosnell had already filed a dispute and asked that they expedite returning the money stolen from Sierra's account. And they did. (Source: 3TV) 3 On Your Side told the card company Gosnell had already filed a dispute and asked that they expedite returning the money stolen from Sierra's account. And they did. (Source: 3TV)
(3 ON YOUR SIDE) -

Sierra Gosnell is a single mom and says she has to be extremely disciplined with managing her money.

“We live literally paycheck to paycheck,” she said. 

With her rent coming due this past April 1, Gosnell says she and her son couldn't sleep anyway and decided on that Easter Sunday, that she'd pay her rent electronically just to get it out of the way.

“Early in the morning, he woke up and I'm like, 'You know what? I'm just gonna pay online right now.' It's like three in the morning, just so I don't forget with the holiday, so I paid it,” she said.

[SPECIAL SECTION: 3 On Your Side]

Gosnell got the payment confirmation indicating her rent had gone through and was pending. 

She thought everything was fine. That is until she got a text alert from Insight Visa telling her unusual transactions were taking place on her account.

“I get a text message alert. It will show me exactly what was spent and where it was spent. I was like, you gotta be kidding me!” she said.

Gosnell was being alerted that her card and her account for that matter were being used at that very moment at Walgreens.

“Two in a row, at Walgreens and I'm talking $200, $400. I get another charge from another Walgreens about 3 minutes away for $322 and my balance was at zero," she said. 

When it was over, those Walgreen charges had wiped Gosnell out of almost $1,000.

To make matters worse, the Walgreens transactions for some reason prioritized ahead of the rent that she had just paid.

“And I'm thinking, 'Oh my gosh, my rent, they just cleared out my account' and my rent was posted and pending," said Gosnell.

Gosnell immediately filed a police report and disputed the charges on her Insight Visa card. 

But the damage had already been done. She had no money now and her rent that was pending couldn’t go through and needed to be paid again. But all her money was gone. 

“I mean we could be evicted, I mean that's my main concern,” she said.

Gosnell received a five-day notice from her apartment complex and late fees were adding up.  

So, 3 On Your Side got involved and we contacted the apartment complex to explain the situation.

As a result, the apartment complex decided to give 3 On Your Side time to sort things out and we did. 

We immediately got a hold of Insight Visa and explained the situation. We told them Gosnell had already filed a dispute and asked that they expedite returning the money stolen from Gosnell's account. And they did.

“Everything was done literally within 24 hours of you guys contacting me, it was amazing,” said Gosnell. 

With nearly a thousand dollars back in her account, Gosnell was able to pay her rent and avoid eviction. And her apartment complex even removed those late fees. 

Gosnell says she tried to resolve the issue on her own but it took 3 On Your Side to get it done.

“I got nothing, but you guys got involved and the next day I had everything taken care of when I tried for five days and I got nothing, so it was amazing, very amazing I’m so grateful,” said Gosnell. 

We’re trying to find out how her card was possibly “cloned”. We’re talking with experts and will have a follow-up report. 

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Copyright 2018 KPHO/KTVK (KPHO Broadcasting Corporation). All rights reserved.


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LiAna EnriquezLiAna Enriquez is a native of Arizona. She attended Marcos de Niza High School in Tempe, Arizona.

Click to learn more about LiAna.

LiAna Enriquez

She then went on to Arizona State University. She graduated summa cum laude from the University’s prestigious, Walter Cronkite School of Journalism with a degree in Journalism/Mass Communications with an emphasis in broadcasting.

LiAna started her news career with KTVK-TV as an intern. She loved it so much she never left! She has been with the station for fourteen years. Currently, she is the consumer investigative producer for Arizona’s top rated consumer segment, 3 On Your Side and is also a general assignment reporter. LiAna also reported for the station’s top rated high school sports show, ‘The Varsity Zone’ for five years.

In her free time LiAna enjoys cooking, watching movies, quading, and traveling. But her absolute favorite thing to do, is to hang out with her husband and beautiful daughters. She is a softball mom. She loves the beach and waterfalls! Her favorite team is the Arizona Cardinals and of course, the Sun Devils.

Life motto: “I can do all things through Christ who strengthens me.” (Philippians 4:13)

If you have a story idea for LiAna, Send her an email .

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Gary HarperGary Harper is the senior consumer and investigative reporter for 3 On Your Side at KTVK-TV.

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Gary Harper
3 On Your Side

With more than 20 years of television experience, Gary has established himself as a leader in the industry when it comes to assisting viewers and resolving their consumer-related issues. His passion and enthusiasm have helped him earn an Emmy for Best Consumer Reporter from the National Academy of Television Arts and Sciences. He’s also garnered several Emmy nominations

He has negotiated resolutions with companies of all sizes, including some of the biggest corporations in the nation.

Gary has successfully recouped more than $1 million for viewers around the state, making 3 On Your Side one of the most popular segments on KTVK and the station's Web site.

He's best known for investigating and confronting unscrupulous contractors. In fact, many of his news reports have led to police investigations and jail time for those who were caught. Viewers, as well as the companies and people he investigates, regard him as consistently being thorough and fair.

Gary has been with KTVK-TV since 1997. Prior to his arrival in Phoenix, he worked for WZZM-TV in Grand Rapids, Michigan, where he was as an anchor and reporter.

Gary is from Chicago, but launched his television career in Lubbock, Texas, after earning a broadcast journalism degree from Texas Tech University. Following his graduation, he was quickly hired by KLBK-TV in Lubbock, where he enterprised and broke numerous exclusive reports. His aggressive reporting in Texas helped garner him Best Reporter by the Associated Press.

Gary has been married since 1994 and is the proud father of two sons. When he's not helping viewers, Gary is busy catching up on his favorite college and professional football teams as well as cheering on his beloved Texas Tech Red Raiders.

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