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I don't know exactly why it doesn't work, but subscriptions are created with the account field set to null. I would guess it has something to do with using a function to retrieve the model, although I don't know why that would cause it to fail. However, since you already have the string, maybe it would be easier to just lazy load the model by passing the string in directly to the foreign key field.
I can successfully access the subscription by going user.customers.first().subscriptions.all()
.