Preheat the oven to 350°F (175°C) and prepare a 9x13-inch baking dish with non-stick spray.

In a large skillet, heat olive oil over medium heat. Add onion and bell peppers, sauté for 5-6 minutes until soft. Stir in minced garlic for another 30 seconds.

Add ground beef to the skillet, season with salt and pepper, and cook for 7-8 minutes until browned. Stir in Worcestershire sauce.

Reduce heat to low and mix in softened cream cheese until fully melted and combined.

Transfer the beef mixture to the prepared baking dish, layer provolone cheese, and top with shredded mozzarella.

Bake in the preheated oven for 20-25 minutes until cheese is bubbly and golden.

Let the casserole cool for about 5 minutes before serving.