Cook ground beef and onions over medium heat. Drain grease off ground beef, then add enchilada seasoning.
Heat refried beans separately. Fill tortilla shells with meat mixture, then refried beans, fold over like a taco.
Pour enchilada sauce and tomato sauce on top of filled tortilla shells and line them in a baking dish.
Bake at 350 degrees F for 30 minutes, then sprinkle shredded cheese over enchiladas and top with black olives and jalapenos.
Bake until cheese is melted. Makes approximately 10 enchiladas.