Chloramine is chemical compound like chlorine used to treat public water supplies. Some municipalities use it, others don't. It is removed from water the same way you remove chlorine by treating it with products such as Prime that remove both. The product must break down the chloramine compound and remove the resulting ammonia as well.
Chloramine does NOT remain in water treated with the correct product, so there are no worries about anything not living in treated water. If there was chloramine remaining, nothing would live in the water.
New tank syndrome on the other hand, which has nothing to do with chloramine, may be responsible. So, don't say it's because of the chloramine (not chloramines btw).
