Heat a large pot over medium heat and add the ground meat.
Cook until browned, breaking it up with a spoon.
Drain excess fat if necessary.
Add the chopped onion and bell pepper, cooking until softened.
Stir in the minced garlic and cook for another minute.
Add the chili powder, cumin, salt, and pepper, mixing well.
Pour in the canned tomatoes and beans (drained and rinsed).
Bring the mixture to a simmer and reduce heat to low.
Let it simmer for 20-30 minutes, stirring occasionally.
Adjust seasoning if needed and serve hot.