I agree with Often1. You are going to lose and the judges are not going to look at the consumer favorably given the emergency and the CoC you agreed to. The CoC absolutely protects Southwest Airlines. See case 17-15896 Jean Shrem v. Southwest Airlines Co on a similar case where the CoC is unfair with the expiration date of funds not being reset with a new reservation. There is a youtube video of the appeal from the plaintiff and you can watch the arguments from each side. Then you can Google the result which was in favor of Southwest.
The fact that you used nonrefundable travel funds (WN funny money) rather than fresh credit card funds make your case even worse with regards to a chargeback. The credit card transaction with the original flight was done when you received the WN funny money.
Last edited by jmw; Mar 21, 2020 at 4:09 pm