Spray a pan with non-stick cooking spray, set it over medium heat and allow it to get hot. saute veggies with garlic until they are softened. Drain any excess liquid and transfer to a bowl.
Brown ground meat, drain and then transfer to the same bowl and mix with canned beans and tomatoes and chiles.
Mix in taco seasoning thoroughly and then transfer mixture to a 13×9 casserole dish.
Evenly spread out fat free refried beans on top (this may be easier if you heat them in a microwave safe bowl for a minute or so.
Top with cheese and then bake in a 350 oven for about 30 minutes or until the cheese is oozy, melty and slightly browned.