Rinse the dried pinto beans under cold water to remove any debris.
Soak the beans in water overnight or for at least 6 hours.
Drain and rinse the beans again.
In a large pot, add the soaked beans and 4 cups of fresh water.
Bring to a boil over medium-high heat.
Reduce the heat and simmer for 1 hour, or until the beans are tender.
In a separate skillet, sauté the diced onion and minced garlic until translucent.
Add the bell pepper, cumin, chili powder, salt, and pepper to the skillet.
Stir the sautéed mixture into the cooked beans.
Simmer for an additional 10-15 minutes to combine flavors.