In a stock pot, brown beef with onions, drain off any excess grease. Mix in all spices/seasonings, red bell pepper and garlic.
Sprinkle flour over the mixture and cook for 3 minutes, stirring constantly.
Add in kidney beans, black beans, green chilies, salsa, enchilada sauce and chicken broth. Stir until combined and then bring to boil. Reduce to simmer and cook for 10-15 minutes or until slightly thickened.
Add in cream cheese and mix until melted. Add in the cheddar and pepper jack cheese and stir until melted.
Serve topped with tortilla chips/fritos and additional garnishes as desired. Serves 6.