I have a few pieces of silver bullion that have come up with these spots of discoloration and I was wondering if anyone knew how they were formed. I purchased them all from a reputable bullion site and I have never removed them from the capsule.
Those are "milkspots" and are the result of a faulty cleaning job of the planchets. Sadly you will see them most often after you bought your bullion because they need some time to form.
Yeah nice coin but still an anoyance ... could also be that the person putting the coin in the holder touched it without or with dirty gloves. There are quite a few sources of contamination on a coins way through the mint to your home.