Dunning letters separating finance charges at both the invoice level and the totals at the summary

Hello Gurus,

We are on 11i and I have set up a dunning letter set in our dev environment.  I'm finding that in those instances where the balance remaining on an invoice is for finance charges only, that the finance charge total owed on a given invoice is showing partially at the invoice and then a smaller portion at the summary portion of the letter.  I've enclosed a document with screen shots showing the dunning letter set up, a dunning letter and then screen shots of the first transaction which shows original amount, details information at the transaction form as well as