Dice the onion, celery, and green bell pepper into small, even pieces (about 1/4 inch). Mince the garlic cloves finely and drain the canned beans in a colander, rinsing well.
Heat olive oil in a large Dutch oven over medium-high heat until shimmering. Add ground beef in a flat layer and cook undisturbed for 3-4 minutes to brown. Break up the meat, then add the onion, celery, and bell pepper. Cook until vegetables are softened, about 5-7 minutes. Stir in minced garlic and cook for 1 minute until fragrant. Drain off excess fat.
Pour in both cans of tomato sauce, the diced tomatoes with their juice, and the diced tomatoes with green chiles. Stir in the tomato juice and combine thoroughly.
Stir in the drained kidney beans and pinto beans. Add Worcestershire sauce, chili powder, cumin, garlic powder, onion powder, cayenne pepper, salt, black pepper, and sugar. Mix until all spices are evenly incorporated.
Bring the chili to a full boil over medium-high heat, stirring occasionally. Reduce heat to low, cover with the lid slightly ajar, and simmer for at least 30 minutes, or up to 1-2 hours for deeper flavor. Stir every 15-20 minutes. Taste and adjust seasoning at the 30-minute mark.
Ladle the hot chili into bowls and top with shredded cheddar cheese, sour cream, sliced green onions, crushed crackers, or diced white onion. Serve immediately with cornbread or tortilla chips.