Brown chopped chuck. Drain and add taco seasoning mix according to package instructions.
While beef is simmering, combine refried beans and 1/4 cup of water and heat until simmering.
Preheat oven to 300°F. Place hard taco shells in the oven and heat for 5 minutes.
Spread 1 tortilla with a coating of refried beans. Wrap the tortilla, beans side in, around 2 hard taco shells and press to adhere. Repeat with remaining taco shells and tortillas.
Fill the taco shell with desired amount of meat and finish with your favorite toppings.