Also experienced this issue, feels dumb that trying to use active reload after using melee causes the cooldown to be forcefully reset and the reload to fail.
If this really is not considered a bug, at least don't punish the player for attempting to activate active reload after using a melee...
Just had an issue with this on my AMD Ryzen 7 3700X, in my case my cpu had overheated and caused immediate shutdown to protect the CPU. Check the temps of your build while the game is running. I had to revert an overclock I made at 4.2MHz because this game uses a lot of CPU.