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

### REPLY:
A common online fraud scheme is phishing, where fraudsters send emails pretending to be from legitimate companies and ask for personal information such as passwords or credit card numbers. Another scheme is identity theft, where scammers steal your personal information and use it to open bank accounts or make purchases in your name. Online auction fraud is also prevalent, where sellers list fake items and deceive buyers into sending money without delivering the goods.