In a large skillet cook the ground beef, onion, and garlic until ground beef is no longer pink, about 8 to 10 minutes, stirring to break up meat. Drain well.
Add the chili powder, oregano, cumin, salt, and pepper; simmer for 5 minutes. Add refried beans and half of the enchilada sauce. Cook until heated through; keep warm.
Arrange the tortilla on the countertop. Add about 1 heaping tablespoon of shredded cheese to the center of each tortilla (about half of the cheese). Top with approximately 1/2 to 2/3 cup of the beef mixture, then end with the remaining shredded cheese.
Roll tightly, burrito-style, tucking the sides in to encase the mixture completely.
Heat the burritos in a nonstick skillet over medium heat, turning occasionally, until browned on all sides.
Serve on a platter lined with shredded lettuce with the remaining enchilada sauce for drizzling and your choice of toppings.
Notes
Make Ahead:Make the burritos up to step 5, wrap each one in foil, and refrigerate for up to 2 days or freeze in a food storage bag for up to 3 months. Defrost frozen burritos in the fridge overnight.To reheat a burrito, remove the foil and wrap it in a dampened paper towel. Heat in the microwave until warm, about 2 to 4 minutes.