Hi Robert,
I think this may be due to an aphid, specifically the spiny witch hazel aphid. 
https://bygl.osu.edu/index.php/node/719
Please read through the publication at the link above and compare with what you see on the tree. Pick apart the corrugated leaves to look for evidence of aphids. 
The presence of lady bug larvae and ants on the leaves also suggest an aphid as both feed on the aphid or the honeydew they aphids produces. 
The black leaves are likely covered in black sooty mold caused by a coating of honeydew, or the sugary excretion of aphids. 
This is a best guess based on the pictures provided. Please let me know if you do not find evidence of aphids. Also, if you do not find aphids, please do send additional pictures. 

You may call me if that's easier.<personal data hidden>

Thank you,
-Julie 

Thanks so much Julie.  You are correct we do see the aphids.  Do you have a recommendation on treatment.  I’d assume we would not want to harm the ladybugs and beetles?

Hi Bob,
Because the infestation looks to be extreme, I would consider a soil drench of pesticide this fall. The article mentions the active ingredient of imidacloprid, which is available under a number of brand names at any big box store. 
Do read and follow label instructions. If the tree is within 100' of a well head or water (lake, river), then alternate products may be required. Please feel free to reach out if this is the case. 
If the tree is not near a well head or water, then simply mix according to label directions and pour around the base of the tree. 
 A systemic insecticide will make the tree toxic to anything feeding on it for a few years, including the aphids. Because the ladybugs and ants are feeding on the honeydew from the aphids and not on the plant directly, they should not be affected. 

If you have any questions, please feel free to reach out!
Thank you,
-Julie