Preheat oven to 350°F.
In a large pan, heat olive oil over medium heat. Add the beef crumbles and onion. Cook, stirring frequently, until heated through.
Stir in the taco seasoning and refried beans. Adjust seasoning and continue cooking another 3-5 minutes.
Remove from heat and fold in 1 cup of cheese.
Spoon 1/4 cup mixture into each tortilla. Roll up and place seam side down in a prepared 9"x13" baking dish.
Pour enchilada sauce evenly over the top and sprinkle with remaining 1 cup cheese.
Cover and bake 40 minutes. Remove cover and allow to stand a few minutes. Sauce will be super hot and bubbly!
Add any additional toppings you like and serve warm.