Heat olive oil in a large pot over medium heat.
Add the diced onion and sauté until translucent, about 5 minutes.
Add the minced garlic and cook for an additional 1-2 minutes, until fragrant.
Stir in the diced bell peppers and zucchini, cooking for 3-4 minutes until they start to soften.
Pour in the crushed tomatoes, black beans, chili powder, and ground cumin. Stir to combine.
Season with salt and pepper to taste.
Reduce heat to low and let simmer for 20 minutes, stirring occasionally.
Serve hot and enjoy!