In a large skillet, brown 1 pound of lean ground beef over medium-high heat for about 5 minutes until fully cooked. Drain excess grease, then add diced tomatoes, brown sugar, diced Roma tomatoes, onion powder, chili seasoning, tomato paste, ground cumin, chili powder, black beans, and pinto beans. Bring to a boil, then simmer for 1 hour.

While chili simmers, shape the remaining ground beef into four equal patties. Season with salt and pepper on both sides, making sure each is about 3/4 inch thick.

Preheat grill or skillet over medium heat. Cook patties for about 7 minutes on each side or until cooked to desired doneness. Add a slice of American cheese on each patty about 1 minute before done.

Assemble the burgers by placing the patty on the bottom half of the bun, spooning warm chili over each patty, adding queso cheese dip, and then crispy onion strings.

Top each burger with the bun top and serve immediately for best flavor and warmth.