Add chili bean blend and 4 cups of water to a large pot, and bring to a boil. Once boiling, turn off stove and let beans soak for one hour.
Pour beans into colander. Rinse and drain.
Add 3 Tbsp water to pot, and sauté onion, garlic, and bell pepper on medium heat for 5 minutes. Add more water if necessary to prevent sticking. Stir frequently.
Add in soaked beans and all remaining ingredients (except optional garnish), and bring to a boil.
Reduce to simmer, and let cook (covered) for 2 hours, or until beans have fully softened. Stir occasionally to prevent sticking. Note: at about 1 hour, taste (carefully!) to see if you want to add any more spices, and doctor the chili accordingly.