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Brown the ground meat/turkey & onion; drain. Add the taco seasoning and stir in the refried beans.
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Mix the soup and sour cream in a separate bowl. Spread 1/2 sour cream mixture in the bottom of a casserole dish.
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Tear up 3 tortillas and spread over sour cream mixture. Put 1/2 the meat bean mixture over that. Add a layer of cheese.
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You could put some hot sauce on this now.
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Repeat the layers.
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Sprinkle cheese over the top and bake, uncovered, at 350°F for 20-30 minutes.