It sounds like you water provider uses chloramine as a disinfectant (chloramine is a combination of (normally) 4 parts chlorine, with 1 part ammonia, and often shows on tests as @ 0.25ppm ammonia reading.
Chloramine is very stable, so unless a de-chlorinator is used when doing water changes can be deadly, this is one reason it is used by water companies to keep disease causing bacteria out of a large distribution system, and also....when combined with organics, it doesn't produce carcinogens like straight chlorine does (trihalomethane).
Also......
Did you test your tanks pH just before the water change?
If the tanks pH was say...6 just before the water change due to a weeks worth of metabolism, and you added 50% of the tanks volume with pH 8 water, straight from the tap, this could account for the neons response (pH shock).
Next time you are ready to do a water change, test the tanks water, if you have a pH discrepancy between 6 and 8, you may want to consider, changing your water change schedule.
In a 2 point pH scale difference, the tank water is in reality is 200 times more acidic at 6 than tap 8.
If.....that is the case, 2 x 25% water changes per week might be less stressful for the fish, than just 1, 50% change.
And while I'm blathering, when you did the water change, did you switch out a filter pad, or very thoroughly clean media in tap water.
This may have compromised the ammonia eating bacteria to a point of creating an ammonia spike.
Small tanks are notorious for being sensitive to these disruptions.