Preheat oven to 400 degrees. Spray a baking dish with non-stick cooking spray.
Heat a large skillet on medium-high heat add olive oil and ground chicken and diced onions. Using a spoon break up the chicken and cook until browned about 7-8 minutes. Drain if you have a lot of fat, and return to skillet, add in taco seasoning.
Reduce heat to medium-low and add in garlic and cook another 30 seconds or so. Add in salsa, mix and let simmer for 2-3 minutes. Turn off heat
In a medium saucepan heat the refried bean over medium heat, stirring until heated through.
Place the taco shells into the baking dish, and bake for 5 minutes by themselves to let them crisp up a bit.
Place 2-3 tablespoons beans into each taco shell and ¼-½ cup chicken mixture on top and place bake in the baking pan.
Sprinkle each taco evenly with cheese.
Bake for 7-8 minutes or until cheese is melted and bubbly.
Remove from the oven and top with your favorite toppings.
For the Pica De Gallo
Place the ingredients in a small bowl and mix until combined.