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

### REPLY:
One common online fraud scheme is phishing, where scammers send you emails or messages claiming to be from legitimate organizations like banks or government agencies. They'll ask you to provide sensitive information such as your bank account details or Social Security number. Another fraud scheme is identity theft, where scammers steal your personal information, such as your name, address, and credit card details, to open accounts or make purchases in your name. Lastly, online auction fraud involves scammers posing as sellers on auction websites and taking payments without delivering the promised goods.