1. In a bowl, mix chili sauce, ketchup, vinegar, Worcestershire sauce and 1/4 cup water. In a nonstick skillet, warm oil over medium heat. Add turkey, onion and jalapeño; cook, stirring and breaking up meat, until no longer pink, about 5 minutes. Add garlic; sauté for 1 minute.
2. Sprinkle flour on top and cook, stirring, for 2 minutes. Add ketchup mixture and tomatoes, reduce heat to medium-low and cook for 5 minutes, stirring. Add red and refried beans; cook for 5 minutes, stirring often. Season with salt and pepper.
3. Split and toast hamburger buns. Divide mixture among buns and serve immediately.