In large skillet, cook beef over high heat, stirring often, until browned. Stir in onion, green pepper, chili powder, cumin and garlic and cook 5 minutes, stirring frequently, until onion is tender.

Stir in beans, tomatoes with liquid, tomato sauce and red pepper. Simmer uncovered 30 minute stirring occasionally. Serve over rice, potatoes or noodles. Top with green onion and cheese if desired.