In a large skillet heat olive oil over medium-high heat. Preheat oven to 375°.
When oil is hot add garlic and onion and cook briefly until fragrant. Add turkey and cook, stirring occasionally, until crumbly but still pink, about 1-2 minutes. Increase heat to high and add bell pepper, zucchini, mushrooms, cumin, chili powder, and kosher salt. Cook, stirring occasionally, until vegetables are starting to soften, about 5-7 minutes. Remove from heat.
Add salsa verde to the skillet and mix to combine. Remove about half of the vegetable mixture from the skillet to a bowl.
In a small bowl combine refried beans and sour cream. Mix until smooth.
Layer 4 tortillas on top of the mixture remaining in the skillet. Spread refried bean mixture on top of tortillas. Top with 4 more tortillas, then remaining vegetable mixture. Sprinkle the top with cotija or queso fresco.
Bake for 15-20 minutes, until bubbly around the edges. Allow to cool for 5-10 minutes before slicing and serving. Top with cilantro and pepitas.