HSBC, SUZUKI, ALAMO CYCLE PLEX HSBC TOTALLY GOT ME!!! THEY ARE CRIMINALS!!!! WILMINGTON, Delaware

The first thing that is wrong is that even though you knew the interest rate you still were willing to sign on the dotted line for a 15K bike.

The next thing that is wrong is that in order to get a 15K card paid off in 60 months you need to pay about $365 a month.  At $209 a month you are looking at about 18 years, if you are late on this payment your balance can increase quickly. 

So you need to go back to what you signed, not what they told you.  If it states that 60 payments at $209 a month would pay it off, and you have not been late you may have some recourse at least against the dealer for misleading you.  Another thing to look out for is what this $209 a "promotional" payment, as I have seen sometimes where they will offer this for the first 12 months but then after that it goes up to a much higher amount for the remainder of the balance. 

Very few motorcycle dealers offer "real" vehicle loans at their dealerships. Most have the ridiculous credit card financing. These most often suck in those who do not bother to read what they sign. The apps are clearly for revolving credit accounts.

 Someone with supposedly good credit that did not balk at a 16% interest rate is a prime candidate to get sucked in by this. The fact that it took 2.5 years and they had to tell him he bought a motorcycle on a high interest credit card tells me that the OP (even when suspicious at 12 months) had no interest in looking at what he signed to get some answers.

 If you go through life relying on "he told me" and "they promised", you will continue to get fleeced by those who see you as too dumb to keep their hands out of your pocket.