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

### REPLY:
One common online fraud scheme is phishing, where fraudsters send emails claiming to be from reputable organizations and ask for personal information like passwords and account numbers. Another scheme is identity theft, where criminals steal someone's personal information, such as Social Security numbers, to commit fraud. Credit card fraud involves using stolen credit card information to make unauthorized purchases. Online auction fraud occurs when individuals are scammed while participating in online auctions, such as receiving counterfeit or nonexistent items after making a payment.