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

### REPLY:
One common online fraud scheme is called "phishing." This involves sending emails or messages that appear to be from legitimate companies or organizations, asking individuals to provide their personal information such as passwords, credit card details, or social security numbers. Another scheme is "identity theft," where fraudsters steal personal information like names, addresses, and social security numbers to commit fraud in someone else's name. A third scheme is "card skimming," where criminals use devices to steal credit or debit card information when a person uses their card at an ATM or a point of sale terminal.