Systems and methods for creating and/or using multi-functional surfactant complexes that may enhance surfactant treatments in subterranean formations are provided. In some embodiments, the methods comprise: providing a treatment fluid comprising an aqueous base fluid and one or more multi-functional surfactant complexes that comprise at least one surfactant and at least one polymeric additive, wherein the surfactant and the polymeric additive carry opposite charges; and introducing the treatment fluid into a well bore at a well site penetrating at least a portion of a subterranean formation.