Saute onions and peppers in a large pot with a little olive oil until tender then remove. Brown hambrger in same pot until done. Remove most of the grease. Add the onions and peppers along with the rest of the ingrdients to the pot. Stir well to disolve the refried beans. Cover and let simmer for an hour stirring every 10 minutes or so. Remove cover and simmer until desired thickness is obtained. Ladle into bowls and enjoy.