Brown ground meat. Add onion and cook until translucent.
Add chili powder, cumin & garlic and stir until combined.
Add refried beans, black beans, tomatoes & green chiles and tomato sauce to meat mixture. Stir until combined.
Lower heat and simmer 10-15 minutes.
Add cheese and leave on low heat until cheese has melted. If desired, add olives and/or green onions.
Serve warm with chips. I suggest wavy potato chips, tortilla chips or corn chips, preferably Fritos Scoops!