Preheat oven to 350°F (175°C) and spray a 9×13 baking dish with non-stick spray.
Heat olive oil in a large skillet over medium heat.
Add diced onions and bell peppers to the skillet, cooking for 5-6 minutes until softened and fragrant.
Add minced garlic and cook for 30 seconds, stirring constantly to avoid burning.
Add ground beef, breaking it up with a spatula, season with salt and pepper, and cook for 7-8 minutes until browned with no pink.
Drain excess fat if needed.
Stir in Worcestershire sauce to coat the meat evenly.
Reduce heat to low and add softened cream cheese, stirring until melted and creamy.
Transfer meat mixture to prepared baking dish and spread evenly.
Layer torn provolone cheese over the meat, then sprinkle shredded mozzarella on top.
Bake for 22-25 minutes until cheese is melted, bubbly, and lightly golden.
Let rest for 5 minutes before serving to allow flavors to meld.