Heat the olive oil in a large skillet over medium high heat. Add the onions, bell peppers and green onions. Cook until softened and translucent. Add in the tomatoes and let cook down until softened. Then add the pinto beans, salt and pepper and cook for an additional minute.

Mix the cumin, chili powder, onion powder and garlic powder into the tomato sauce and add it into the onion and vegetable mixture. Give everything a quick mix so the sauce is covering everything in the skillet, then let it simmer for about 3-4 minutes or until it thickens just slightly. Taste the sauce to see if any additional salt, pepper or spices are needed. Add the tortilla chips to the sauce and mix, crushing the chips slightly. Remove the skillet from the heat and top with desired toppings (see suggested above). Enjoy!