In a skillet over medium heat, cook the ground beef until browned, about 5-7 minutes. Drain excess fat, then stir in the taco seasoning and cook for an additional 2 minutes.
Preheat your oven to 350°F (175°C).
On a large baking sheet, spread out the tortilla chips in an even layer.
Spoon the refried beans over the chips, followed by the seasoned ground beef.
Sprinkle the shredded cheddar cheese evenly over the top.
Bake in the preheated oven for 10-15 minutes, or until the cheese is melted and bubbly.
Remove from the oven and top with diced tomatoes, black olives, green onions, and jalapeños if using.
Serve immediately with sour cream and guacamole on the side.