In a large soup pot, sauté onion in oil.
Add pinto beans, black beans, corn, tomatoes, veggie ground burger, and water. Heat to a low boil, then reduce heat to low
Add refried beans, stirring and mashing them against the sides of the pan. Stir until beans disintegrate into the chili.
Add remaining ingredients and cook 10 minutes on low to meld the flavors, stirring occasionally. Adjust seasonings to taste.