First, choose the consumer complaint form that fits your problem. Feel free to call our consumer assistance line at (919) 716-6000 should you need help completing the form.Before You File a Complaint. Unfair and deceptive trade practices are essentially misleading or illegal acts that cause harm to consumers or competitors in the market. North Carolina courts base their determination on what is unfair and deceptive on the circumstances of each case. 17. Three Part Test for UDTPA Claims. Loans of many other North Carolina borrowers, constituted an unfair and deceptive trade practice which was actionable under N.C. Gen. Stat. Finance Act, Violations of the North Carolina Usury Statute, and Violations of the North. Carolina Unfair and Deceptive Trade Practices Act. The parties dispute whether Alabama or North Carolina law applies to NFI's claim for unfair and deceptive trade practices.