Who called me from 1-844-203-0640?
Our records indicate this phone number belongs to PRA Group Canada, a debt collection agency operating in Canada.
Why is 1-844-203-0640 calling me?
PRA Group Canada is a debt collector.
They may be calling because:
- A creditor has hired them to collect an unpaid debt
- They purchased your debt from the original creditor
- They're trying to reach someone else and have the wrong number
If you don't recognize the debt, ask for written verification before providing any personal information or making payments.
Is 1-844-203-0640 a scam?
Based on our records, 1-844-203-0640 is associated with PRA Group Canada, a legitimate collection agency operating in Canada. However, scammers sometimes impersonate legitimate companies.
Verify any debt using the contact details on the official PRA Group Canada website before paying. It's also a good idea to see if any collections have been added to your credit report.
Other phone numbers for PRA Group Canada
PRA Group Canada may also contact you from these numbers:
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| User Reported |
Companies that use PRA Group Canada for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company PRA Group Canada collects for?
How to deal with PRA Group Canada
Step 1: Ask for written verification. Get the creditor's name, the amount owed, and the account number in writing before you do anything.
Step 2: Don't share personal details. No banking info, date of birth, or address until you've confirmed the debt is yours.
Step 3: Check your credit report. Pull your free credit score and report with Borrowell to see if the collection is listed and which creditor it's for.
Step 4: Know your rights. Learn more about what to expect on our PRA Group Canada profile page.
Step 5: Confirm the caller. Call PRA Group Canada back on their main phone number at 1-866-903-1741 to verify it was actually them.
Step 6: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
Legal Name
PRA Group Canada Inc.
Also known as
Preferred Credit Resources Limited (merger)
CCL Financial Inc. (merger)
Aktiv Kapital Canada Ltd.
When can a collection agency call from 1-844-203-0640?
Every province and territory sets hours for when a collection agency can call. These are the permitted calling windows.
| Province / Territory | Monday to Saturday | Sunday |
|---|---|---|
| Alberta | 7 a.m. to 10 p.m. | 7 a.m. to 10 p.m. |
| British Columbia | 7 a.m. to 9 p.m. | 1 p.m. to 5 p.m. |
| Manitoba | 7 a.m. to 9 p.m. | Not allowed |
| New Brunswick | 7 a.m. to 9 p.m. | 1 p.m. to 5 p.m. |
| Newfoundland and Labrador | 8 a.m. to 10 p.m. | 8 a.m. to 10 p.m. |
| Northwest Territories | 7 a.m. to 9 p.m. | 1 p.m. to 5 p.m. |
| Nova Scotia | 8 a.m. to 9 p.m. | Not allowed |
| Ontario | 7 a.m. to 9 p.m. | 1 p.m. to 5 p.m. |
| Prince Edward Island | 8 a.m. to 9 p.m. | Not allowed |
| Quebec | 8 a.m. to 8 p.m. | Not allowed |
| Saskatchewan | 8 a.m. to 9 p.m. | Not allowed |
Nunavut sets its rules under the Consumer Protection Regulations but does not publish the specific hours online. Yukon law sets no fixed hours and relies on a general harassment standard instead.
Most provinces and territories also ban calls on statutory holidays. Alberta and Newfoundland and Labrador set no separate holiday rule.
If a collection agency calls you outside the permitted hours for your province or territory, file a complaint with your provincial or territorial consumer affairs office.