Heat the olive oil in a large skillet over medium heat. Add the ground beef and break the meat into crumbles. Add the onion and dried seasonings, then cook for 4-5 minutes, stirring occasionally.
Add the green chiles, then stir until well combined. Set aside.
Preheat the oven to 350 degrees. Line a baking sheet with parchment paper.
Layer a flour tortilla with refried beans, then place it on the prepared baking sheet.
Add a bit of the beef mixture, then top with another tortilla.
Place in the oven to bake for 10 minutes.
Remove from oven and spoon a bit of salsa on top of the top tortilla, then top with cheese.
Return it to the oven and cook for an additional 5-7 minutes or until the cheese is melted.
Remove from the oven and top with the tomatoes, avocado, green onions, and fresh cilantro.