Drizzle a large skillet with olive oil. Cook the ground beef and onion over medium-high heat. Cook for 8-10 minutes or until no pink remains and the onions have softened. Add garlic, cook for one minute longer. Drain excess grease from the pan.
To the beef add taco seasoning, taco sauce and green chiles. Stir to combine then simmer for 5 minutes over medium heat. Remove from the stovetop.
Preheat oven to 375°F. Spray a 13x9-inch deep baking dish or cake pan with cooking spray.
Toss together colby jack cheese and pepper jack cheese. (Divide into thirds)
Assemble: Spread 3 Tablespoons from one can of enchilada sauce on the bottom of the baking dish. (Reserve one whole can red enchilada sauce for the top.) Arrange 6 tortillas on the bottom of the dish.
Cover with 1/2 of the remaining red enchilada sauce. Spread with 1 can refried beans. Arrange 1/2 taco meat over beans then sprinkle with 1/3 of the shredded cheese mixture.
Repeat Layers: 6 tortillas, spread with remaining enchilada sauce, 1 can refried beans and reserved taco meat. Sprinkle with 1/3 shredded cheese.
Layer with remaining 6 tortillas. Pour 1 whole can of enchilada sauce from end to end and spread over the tortillas to cover. Sprinkle with the remaining cheese blend.
Spray a piece of aluminum foil with cooking spray. Cover dish.
Bake for 25 minutes, then remove the foil. Continue to bake for another 15 minutes or until the cheese is bubbly and golden brown.
Let stand 5 minutes then cut into squares and serve topped with sour cream, diced tomatoes, onion, fresh cilantro, shredded lettuce, black olives or garnish with any of you favorite taco toppings.