Preheat your oven to 350°F (175°C) and grease your loaf pan.
In a large bowl, whisk together the all-purpose flour, whole wheat flour, baking soda, baking powder, spices (cinnamon, nutmeg, ginger), and salt.
In another bowl, mix the granulated sugar, brown sugar, and vegetable oil until combined. Add the eggs one at a time, mixing well after each addition. Stir in the pumpkin puree and grated zucchini.
Gradually add the dry ingredients to the wet ingredients, stirring until just combined. Be careful not to overmix.
Fold in the chocolate chips gently.
Pour the batter into the prepared loaf pan, smoothing the top with a spatula.
Bake in the preheated oven for about 60 minutes or until a toothpick inserted in the center comes out clean.
Allow the bread to cool in the pan for about 10 minutes, then remove it from the pan and transfer it to a wire rack to cool completely.