United Gun Shop in Rockville has filed a lawsuit accusing Capital One and Melio Payments of cutting off its access to payment services due to its firearms business. The company claims the move caused about $75,000 in damages and violated Maryland laws.
The suit details how the gun shop began using Capital One's payment platform through Melio in late 2024. Successful transactions occurred until March 2025, when some payments started failing. On April 11, 2025, a Capital One representative met with the shop and stated it had not violated any terms or been prohibited from banking. Three days later, a message from the platform said the account belonged to a prohibited industry and blocked future payments.
