GoodLeap Complaints North Carolina (2026): NCGS § 75-1.1, AG Investigations & Your Rights

The pitch sounds compelling anywhere in America, but it lands especially well on a hot Charlotte afternoon or a sweltering summer in Raleigh: switch to solar, cut your power bill, lock in clean energy. Across North Carolina, thousands of homeowners took that pitch seriously and signed GoodLeap solar loan agreements. Now a growing number of them are learning that the loan they signed contained hidden fees that can add up to tens of thousands of dollars — and that the North Carolina Attorney General's office is already aware there's a problem.

What North Carolina Borrowers Are Reporting

North Carolina has seen rapid solar adoption across both urban and rural markets, and GoodLeap has been a primary financier in the state. The complaints North Carolina borrowers are filing follow patterns consistent with GoodLeap's national record: loan amounts that substantially exceed what the installer quoted, payments that began before systems were fully operational, and installers who have since closed or reduced service without honoring their warranties.

Several solar installation companies that were active in the Triangle, Charlotte metro, and Piedmont Triad regions and that used GoodLeap financing have since exited the market. Borrowers from those companies are now in a particularly difficult position: they're making monthly GoodLeap payments on systems that may be underperforming or on which they have no active warranty coverage. When they call GoodLeap to dispute the balance or request a pause in payments, they're typically told the loan obligation survives the installer's exit from the market.

The CFPB complaint database shows GoodLeap is one of the most-complained-about solar lenders in the country. North Carolina's complaint volume has been rising in step with the state's rapid solar market growth. Our national analysis of GoodLeap solar loan complaints in 2026 shows that mid-Atlantic and Southeast states like North Carolina are among the most impacted markets.

The Hidden Dealer Fee Problem

The hidden dealer fee is the single most financially impactful issue GoodLeap borrowers face. The mechanism: GoodLeap funds the loan and simultaneously pays the installer a "dealer fee" of 25–30% of the loan amount. This fee is not itemized in the loan closing documents — it simply increases the principal balance without the borrower knowing it exists. A North Carolina homeowner financing $42,000 in solar equipment may be paying a $10,500–$12,600 dealer fee they never agreed to and never knew about.

This structure raises serious disclosure questions under North Carolina's Unfair and Deceptive Trade Practices Act. When a material cost of the transaction is hidden from the consumer, that omission can constitute a deceptive act regardless of what the fine print says. Our guide to GoodLeap dealer fees explained gives North Carolina borrowers a plain-language breakdown. You can also check your own loan with our dealer fee calculator.

Your Legal Rights in North Carolina

North Carolina General Statute § 75-1.1 prohibits unfair and deceptive acts and practices affecting commerce. It is one of the most powerful state consumer protection statutes in the Southeast — and critically, it mandates treble damages for successful claimants. That means if a court finds GoodLeap or your installer committed an unfair or deceptive trade practice, you receive three times your actual damages — automatically. Attorney's fees are also awarded, meaning the financial risk of litigation is substantially reduced for consumers represented by plaintiff's counsel on contingency.

North Carolina's Consumer Protection Division has been building its file on solar lending practices. The AG's office has active investigations into multiple solar-related companies operating in North Carolina, and they have publicly indicated that solar financing deception is a priority. Filing a complaint with the AG at ncdoj.gov is both a way to seek personal relief and a way to contribute to the broader investigative picture.

At the federal level, the FTC Holder Rule provides North Carolina borrowers a direct avenue to assert installer misconduct against GoodLeap. Your GoodLeap loan agreement is required to include language preserving your right to raise installer fraud as a defense to payment. Visit our North Carolina solar loan rights page for a complete summary of state and federal protections available to NC borrowers.

What to Do Next

If you have a GoodLeap loan in North Carolina and suspect you were overcharged or misled, act now — both because statutes of limitations apply and because regulatory investigations are actively building. Start by pulling together your complete paper trail: installer contract, GoodLeap loan agreement and disclosure documents, all written and recorded communications, utility bills, and system production monitoring data. Compare what the installer promised in writing against what the system has delivered.

File a complaint with the NC Attorney General's Consumer Protection Division at ncdoj.gov (there is a solar-specific intake option), the CFPB at consumerfinance.gov/complaint, and the NC Commissioner of Banks if the complaint involves lending practices. Each complaint creates an official record and may trigger a response from GoodLeap that a private demand letter could not.

Get a legal consultation. Given NCGS § 75-1.1's automatic treble damages, attorneys in North Carolina can often take solar loan cases on contingency — the economics work in your favor if the claim is solid. BreakYourSolarContract.com offers free case reviews for North Carolina homeowners. Don't assume you're stuck. In North Carolina, with the right legal support, you may be far less stuck than GoodLeap wants you to believe.