Heat olive oil in a large heavy pot on high. Add ground turkey and cook until lightly brown.
Add chopped onions, celery, garlic, red pepper, and chili powder. Stir to combine and cook for 2-3 minutes.
Add chicken broth and tomatoes. Bring to a boil then turn down to simmer.
Drain and rise the kidney beans, pinto beans, and black beans. Add beans to the pot and stir to combine.
Add bay leaves and let simmer for 20-25 minutes
Serve alone or with optional toppings of sour cream, cilantro, a sprinkle of cheddar cheese or lime wedge.