### Comment:
What are some common online fraud schemes that people should be aware of?

### REPLY:
One common online fraud scheme is called "phishing," where fraudsters send fake emails pretending to be a reputable organization, such as a bank or an online retailer, in order to deceive individuals into revealing their login credentials or other sensitive information. Another fraud scheme is "identity theft," where criminals steal personal information, such as Social Security numbers or credit card details, to commit fraud in the victim's name. These schemes can result in financial losses and damage to one's personal reputation.