A Miami clinic owner has been arrested after investigators alleged that his business processed more than $1.1 million in health care financing transactions through 116 customer accounts.
Ninety-nine of those accounts were associated with people who had already died, according to an arrest report cited by NBC Miami.
Synchrony Bank transferred approximately $1,056,343 to the clinic’s connected bank account before calculating its alleged loss at approximately $893,654.
Osmel Nunez, 36, was arrested July 24 and charged with organized fraud, first-degree grand theft and aggravated fraudulent use of identifying information belonging to deceased people.
The Merchant Account Had Been Inactive for Months
Nunez operated Century Research and Aesthetics, a Miami business described as a medical-aesthetics provider. Investigators said he opened a Synchrony merchant account in August 2025 and connected it to his personal Bank of America account.
No transactions were processed between the account’s opening and May 13, 2026. Activity allegedly began abruptly on May 14. Over the following six weeks, the clinic processed 165 sales through 116 health care financing accounts, with the transactions totaling more than $1.1 million.
Ninety-Nine Accounts Were Associated With Deceased People
Investigators said 99 of the 116 accounts used in the transactions belonged to or were associated with people who had already died. The public report does not explain how their personal or account information was allegedly obtained.
Synchrony’s special-investigations division began reviewing the merchant activity and the payments made to Century Research and Aesthetics. The bank transferred approximately $1,056,343 to the account connected to the clinic.
Investigators later calculated Synchrony’s alleged financial loss at approximately $893,654. Authorities have not stated how much money was blocked, reversed, refunded or recovered.
Nunez Said Every Account Holder Received Treatment
Synchrony investigators interviewed Nunez on July 22. He reportedly said every transaction occurred at Century Research and Aesthetics and that each account holder had visited the clinic for treatment.
Investigators said Nunez could not provide concrete evidence showing that the transactions were legitimate. Nunez was arrested two days after the interview.
Nunez Faces Three Felony Charges
Nunez was charged with one count of organized fraud involving $50,000 or more and one count of first-degree grand theft involving $100,000 or more. He also faces one count of aggravated fraudulent use of personal information belonging to deceased individuals.
The charges are allegations.
Unfamiliar CareCredit Transactions Should Be Reported Immediately
CareCredit, which is issued by Synchrony Bank, tells account holders to report suspected fraud or identity theft as soon as it is discovered. Consumers can contact Synchrony at 1-866-834-3205 and should identify each disputed transaction by merchant name, date and amount. Synchrony says it may send a Fraud Investigation Form that must be returned with the requested information for the claim to proceed.
Families handling a deceased person’s financial affairs can also submit Synchrony’s online deceased-cardholder notification form. The company says it updates the account after receiving the notice and may contact the cardholder’s representative for additional information.
An unfamiliar account or purchase made with someone’s identity can also be reported through IdentityTheft.gov, which provides an FTC Identity Theft Report and a recovery plan for disputing fraudulent accounts and transactions.