The surface complexation model was applied to simulate the competitive complexation of Ni, Ca and Al with humic substances. The presence of two types of binding sites in humic acid, carboxylic and phenolic functional groups, were assumed at both low and high pH conditions. Potentiometric titrations were used to characterize the intrinsic acidity constants of the two binding sites and their concentrations. It was found that the diffuse-layer model (DLM) could fit the experimental data well under different experimental conditions. Ni and Ca ions strongly compete with each other for reactions with the humic acid but Al showed little influence on the complexation of either Ni or Ca due to its hydrolysis and precipitation at pH approximately 5. The surface complexation constants determined from the mono-element systems were compared with those obtained from the multiple-element system (a mixture of the three metal ions). Results indicate little changes in the intrinsic surface complexation constants. Modeling results also indicate that high concentrations of Ca in the contaminated groundwater could strongly inhibit the complexation of Ni ions whereas an increase in pH and the humic concentration could attenuate such competitive interactions. The present study suggests that the surface complexation model could be useful in predicting interactions of the metal ions with humic substances and potentially aid in the design of remediation strategies for metal-contaminated soil and groundwater.