Preheat the oven to 350 degrees F. Prepare a 9 x 13 inch casserole dish with nonstick cooking spray.

​Heat a large skillet over medium to medium-high heat. Add the ground meat, bell pepper, and onion. Crumble the meat mixture as it browns.

Cook until the meat is no longer pink. Drain off any excess grease.

Next, add the water, taco seasoning, black beans, and diced tomatoes to the meat mixture.

Place two tortillas on the bottom of the prepared baking dish.

Spread ⅓ of the refried beans over the tortillas.

​Over the refried beans, spread about ⅓ of the meat mixture.

Next, add a layer of shredded cheese.

Repeat the layers 2 times and end the layers with the last two tortillas and more shredded cheese.

Cover the casserole with aluminum foil, loosely tented, and bake for 25 to 30 minutes. Remove the foil and allow the cheese to brown slightly.