### Comment:
What are some common online fraud schemes to be aware of?

### REPLY:
One common online fraud scheme is the phishing scam, where attackers send emails pretending to be from a legitimate bank or organization and ask for personal information, such as passwords or social security numbers. Another scheme is the pyramid scheme, where individuals are promised high returns on their investment by recruiting others into the scheme. The most lucrative online fraud scheme is identity theft, where criminals steal personal information, such as social security numbers, to commit financial fraud.