Downloaded book marked as "LOAN" not due in 13 days as other downloads.

I have deleted Adobe Digital and started from square one and this one title always downloads to the Digital Library as LOAN. I am unable to read it in the Adobe Digital Library or download to my Nook. When I return title to the Phoenix Digital Library the title always shows up on the Adobe Digital Library site with the picture of book with a cloud icon with a upside down T looking thing in the cloud icon on the upper left hand corner of title.