I've been meaning to update this thread -
I was checking this dend. the other day as it has grown a little more and the newer growth appears to be normal. I was pulling back some of the lower leaves and I found the culprit:
THRIPS
I don't know if any of you have ever had to deal with thrips, if not, I hope you never have to, if you have, you can feel my pain. I've been fighting them for almost a year now. I thought they were almost gone as I've been using a product that I got from a local nursery owner that is only available for industrial use as far as I know. Needless to say, I hadn't completely eliminated them. I can't tell you how many times I specifically looked for the darned things to see if they were causing this and I couldn't see any. They are VERY good at hiding and you can clearly see the damage they can do.