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

### REPLY:
One of the most effective online fraud schemes is phishing, where scammers send emails or messages pretending to be from legitimate organizations to trick individuals into revealing their personal information, such as passwords or credit card details. They often create convincing replicas of websites or use social engineering techniques to deceive victims. Another popular online fraud scheme is identity theft, where scammers steal personal information to commit financial fraud. This can include stealing credit card information, Social Security numbers, or personal identification numbers (PINs).