The image is heavily overexposed as shown in the histogram:

In addition, there is a white balance issue, the shadow here is bluish:

Your phone's fake DOF did not properly identify the surfboard as being on the "sharp" layer; therefore, it gets out of focus in the upper area.

You should switch that feature off, as it is rarely correct. The swimmers in the background got also filtered in a very unnatural way.
Other defects have been listed by @Jill_C .
If you are new to stock, you should consider these resources: https://helpx.adobe.com/stock/contributor/tutorials.html
Please read the contributor user manual for more information on Adobe stock contributions: https://helpx.adobe.com/stock/contributor/user-guide.html
See here for rejection reasons: https://helpx.adobe.com/stock/contributor/help/reasons-for-content-rejection.html
and especially quality and technical issues: https://helpx.adobe.com/stock/contributor/help/quality-and-technical-issues.html
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