Preheat oven to 350 degrees. Mix together Cream Cheese and Sour Cream in a large bowl. Mix in Refried Beans until combined. Stir in Taco Seasoning. Spray a 9x13 baking pan with cooking spray. Spread mixture evenly into the bottom of the baking dish. Sprinkle the top with both Cheeses. Bake for 25-30 minutes, or until Cheeses are melted and slightly browned. Serve with Tortilla Chips.