Brown the ground beef, and when the beef is almost done, add the taco seasoning. Add a little bit of water, enough to get it moist, and mix well. When beef is completely browned, drain. In crock pot, mix together soups, bacon bits and refried beans while meat is browning. Turn on high. When meat is done, dump into crockpot and mix well. You can leave this on high if you are going to be eating within an hour or so, otherwise put on low. Stir every so often. Eat with tortilla chips.