It sounds like a fungus. Mine has black spots and turn yellow and fall off. Mine is also infested by white flies. If these flies are not destroyed from the plant, it weakens its immune system and becomes a host for spotty mildew which will kill the plant. the white flies suck the life out of the plant but doesnt kill it, they make it sick, then the leaves turn yellow with black spots which is a fungus. No saying that is what you have but sounds like it.