Heat the olive oil in a large skillet over medium-high heat until it shimmers slightly.

Add the ground beef and diced red bell pepper directly into the pan together and cook for about five minutes, breaking up the beef as it browns.

Once the beef is fully cooked, add the refried beans straight into the skillet and stir thoroughly until the beans blend completely into the meat mixture.

Sprinkle the taco seasoning evenly across the beef and bean mixture, stirring well so every bit picks up flavor. Let it cook for another minute.

Grab a large casserole dish and arrange about fifteen whole tortilla chips across the bottom, overlapping slightly.

Scoop the warm beef and bean mixture onto the tortilla chip base and spread it evenly.

Sprinkle half of the shredded cheese across the beef layer, add chopped romaine lettuce, and top with remaining cheese.

Finally, sprinkle crushed tortilla chips and diced Roma tomato on top for garnish. Serve immediately.