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

### REPLY:
One common online fraud scheme to be aware of is a phishing scam where scammers send emails pretending to be from a legitimate financial institution and ask you to provide your bank account details, social security number, and other personal information. Another scheme is the sale of counterfeit goods on online marketplaces, where scammers steal your payment information and send you fake or low-quality products. Lastly, investment scams are also prevalent, where fraudsters promise guaranteed high returns on investments but actually use the money to fund their own personal expenses.