I have a 7" Chocolate cichlid (had him for 3 months now)in a 55 gallon with a 2" Botia Striata loach and 6" L91 pleco. Neither fish will get near the Chocolate, so I know it is not from another fish, so what could cause the Chocolate's tail fin to split within hours? I would post a pic but my camera is loaned out for the week. It looks like a straight tear at the center of his tail fin. There is also nothing for him to really catch his tail on (full tank shot below)-

Wtf did he/I do? I have hard water which he does not like, is this possibly stress related? His fins have been absolutely gorgeous up until now.

Wtf did he/I do? I have hard water which he does not like, is this possibly stress related? His fins have been absolutely gorgeous up until now.