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Who called me from 800-654-8818?
Portfolio Recovery Associates (PRA). PRA's own website has a page for this number that says "We're Portfolio Recovery Associates, LLC". PRA buys unpaid debts, such as old credit card accounts, and collects them, so a call from 800-654-8818 usually means PRA says it owns a debt in your name.
Which state do you live in?
Time limits on debt and some collection rules depend on your state.
800-654-8818 at a glance
- Number
- (800) 654-8818
- Belongs to
- Portfolio Recovery Associates, LLC
- What the line is for
- Outbound calls about accounts PRA owns or collects
- Kind of company
- Debt buyer and debt collector
- Last checked
- October 15, 2026
PRA's website blocks automated checking, so this page was opened by hand. Check the linked page yourself if you want to be sure it still says the same.
Who uses 800-654-8818
PRA runs a "Who's calling from" page for 800-654-8818 on its own site, portfoliorecovery.com, and that page says "We're Portfolio Recovery Associates, LLC".[1] PRA is part of PRA Group, which buys defaulted debts and collects them itself.
If PRA is calling, the debt has usually been sold by the original lender, so the name on the account may not be one you recognise straight away. The written notice PRA sends should name the original creditor and the current balance.
Is a call from 800-654-8818 a scam?
The number itself belongs to PRA, but caller ID can be faked, so a familiar number on your screen proves nothing on its own.[2] Scammers copy real company numbers to look genuine.
- Do not give card or bank details to someone who called you.
- Hang up and call PRA back on a number you find yourself: use the number on a PRA letter you already have, or the contact details on portfoliorecovery.com.
- A real debt collector can tell you who the account is with and how much is owed, and will not insist on gift cards, wire transfers or payment apps.[3]
You can paste a text or voicemail into our scam checker to look for the warning signs regulators describe.
What to do next
Do not agree to pay or confirm the debt on the call. Ask PRA to put everything in writing first.
- Ask for the validation notice. A debt collector must send a written notice naming the creditor and the amount, with the date by which you can dispute.[4] Our deadline calculator works out your date.
- Dispute in writing if anything looks wrong. Our debt validation letter guide explains what to send and why writing beats a phone call.
- Check whether the debt is too old. Use our time limit calculator before you pay anything on an old account.
- Too many calls? A collector is presumed to break the rules if it calls you about a debt more than seven times in seven days, or within a week of a phone conversation about it.[5]
Other PRA numbers
| Number | What it is for |
|---|---|
| (800) 772-1413[6] | PRA Group corporate headquarters |
Every number above comes from the linked source. Search any other number in our phone number lookup. All PRA numbers.
Common questions
Is 800-654-8818 Portfolio Recovery Associates?
Yes. PRA's own website has a page for 800-654-8818 that says it is Portfolio Recovery Associates, LLC. Caller ID can be faked, so if unsure, call PRA back on a number from its website or your letter.
Why is PRA calling me?
PRA buys unpaid debts from lenders and collects them. A call usually means PRA says it owns an account in your name. Ask for the written validation notice, which names the original creditor and the amount.
Can PRA call me every day?
A debt collector is presumed to break federal rules if it calls about a debt more than seven times in seven days. You can also ask PRA in writing to stop calling.
References
- Who's calling from 800-654-8818?. Portfolio Recovery Associates.
- Caller ID spoofing. Federal Communications Commission.
- How do I tell if a debt collector is legitimate or a scam?. Consumer Financial Protection Bureau.
- 12 CFR 1006.34: Notice for validation of debts. Consumer Financial Protection Bureau.
- 12 CFR 1006.14: Harassing, oppressive, or abusive conduct. Consumer Financial Protection Bureau.
- Contact us. PRA Group.
Every phone number on this page links to the source we checked it against. We do not use caller-ID databases or user reports. Last checked October 15, 2026. Spotted an error? Email [email protected], and see our change history. This page is general information, not legal advice.