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Cook the beef, onion, and green pepper until the beef is browned and the onion is translucent. Drain.
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Add the taco seasoning and water as directed on the back of the mix. Cook for amount directed.
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Stir in the refried beans.
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Cube the Velveeta and put in microwavable bowl. Microwave for a minute or two, add the rotel, stir, and microwave again until melted stirring every minute or so.
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Put 1-1/2 cup cheese mixture into the beef. Set other cheese aside for end.
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Warm the tortillas in the microwave.
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Put 1/2 cup or more of the cheese/beef mixture into each tortilla. Roll and place in greased 13x9 pan. (You will probably need 2 pans for this.)
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Put the rest of the cheese on top.
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Bake at 350 for 10 to 15 minutes.